Okay, and I appreciate that.
I think an opportunity exists for your membership--the banks--that want to come out and say, “Let's compete on providing value for service for our customers. Here it is. Here's how we want to do it. Here's how we want to educate you as to how to save on paying bank fees.” I think that's a great opportunity for one member or a group of your members to go out and achieve a higher level of customer penetration in the Canadian market by telling people, “We actually want to work with you to help you avoid paying fees.” I think that's an opportunity, and it's something you should look at.