The other point Mr. Johnson made, which I thought was significant, was that restricted choices for seniors, students, and rural Canadians is resulting in them paying, perhaps, a disproportionate amount of these fees, more than, say, someone like me who has the ability to access my own bank's ABMs, or who perhaps has a bank package that means I don't have to pay these fees.
How can we help out these groups, especially people who may be handicapped or disadvantaged, perhaps even disadvantaged by their geographical location within Canada? How can we help these people? What can the banks do?