Thank you.
I'll come back to Mr. Callon with my earlier question.
I'm concerned, but I want to preface my comments by saying I'm not attempting to beat up on the banks. I think we have a very good, stable banking system in Canada. But I think you could make the case that maybe what we're seeing is a little bit of market skimming; in places where there isn't as much money to be made, services aren't being offered.
I'd hate to think that was the case. Are we seeing some skimming in Canada?