Thank you.
My question will be somewhat beyond the scope of this act, perhaps.
When I listened to Mr. Conacher about competition and getting better prices or services from banks, I guess my general view is that for any industry, if you want better service or better prices, it's probably a better plan for the government to try to get more competition than it is to what you might call micro-regulate that industry.
My question for you would be, have you thought about how one could produce more competition in Canadian banking? And how would you go about that?