I was going to perhaps address that, Mr. Chairman, because I understand the interest in the ATM fees.
The clause, however, deals with disclosure requirements for registered products. These registered products are RRSPs, RRIFs, and RESPs, and for the government to have authority to regulate what kinds of disclosures are required for those products. There really are no ATM fees generally involved with these products, so whether the clause is there or not, they don't apply on those particular accounts. You don't deal with these products on ATM machines.