It sounded like you wanted to go back in time and not have all these services available.
I can't remember the last time I was in a bank. The only time I go to the bank is when I'm withdrawing money. I make my deposits. There are direct transfers available on the Internet or with an ABM.
We're here for ABM fees, so if we can stick to that, I think that's the idea. What you were saying is that we shouldn't regulate, yet the competition is not there, if we just focus on the ABM machines. What are we saying? Do we need banks? What kind of competition do we need? Do we need more banks?