Thank you.
If I may, there's been a lot of discussion about whether regulation or competition is the best. In Canada, we have the number one access to ABMs per capita in the world. I would suggest that what that has resulted from is the competition we have in the marketplace. We have banks, we have non-banks, and we have non-financial institutions all participating in this ABM network. That situation arose as a result, as Mr. Protti mentioned, of the Competition Tribunal announcing in 1996 that you would have the ability to surcharge so that there would be a business model that supported putting ABMs in lower traffic volume areas. And this competition of all sorts of different providers has led to, number one, the best system in terms of access per capita in the world in Canada.
In terms of whether the choice is driven by consumers or by banks, our polling tells us repeatedly that three-quarters of our customers are very pleased with the technology solutions we offer them. They find it makes their banking more convenient and it saves them time. In addition to that, we're finding now that about 85% of transactions are actually done electronically, whether over an ABM, online, or telephone banking, so it extends the banking experience to a 24/7 kind of experience. So I would suggest to you, as a result of that, that consumers are telling us, and the marketplace is telling us, that we've got a good--