Thank you. I'm aware of that whole formal process. I'm really concerned, though, that only certain voices get heard, and that a lot of the consumer issues are not either in the white paper or in the legislation. That's a constant frustration.
I guess we could have voted against the bill at second reading stage and then started again, but that was the only choice we had. I'm really anxious to try to turn this around and to find ways to deal with some of the issues around bank closures, around how we move on community reinvestment.
As you know, one of the issues we're trying to raise now is around all the fees consumers are facing. We focused on ATM fees, but there are so many others—the credit card charges, all of this. In fact, the head of our own Financial Consumer Agency of Canada, in a recent speech, identified the problem of consumers being faced with a dizzying array of complex choices and products, and yet we haven't found a way to provide ready information to consumers. I think that should be the fundamental objective of this Bank Act at this point.