Okay.
I'm limited in time, but I would have liked to continue.
I'm a member of Parliament from east-end Montreal. If we talked only about branches that closed 10 years ago, I would say you are more or less right. However, in my riding, in the district of Saint-Léonard, there are four branches of the TD Bank that have opened and they are now 12 to 15 caisses populaires, I believe. Therefore there is competition, but as Mr. St-Cyr pointed out, we have a problem when we go into a business and are forced to use a no-name ATM.
I think that you are a protector of consumers. How we could avoid this? That's the problem. The problem is these no-name or white label ATMs. When I don't know any other place, I will be forced to use that kind of ATM the first time, but there won't be a second time. If there are no profits to be made with this, the others will not offer more options, but there is a way to strike a balance between these two aspects. We're looking for a solution and I don't think that you've proposed one here today.