Well, I think you have an excellent point, sir, with that comment.
Each of the banks has a strategy for educating their client bases. It can be face to face, through brochures, through their websites. Each of the banks has its own program, and I'm going to provide you with some information on each one of those.
In addition to that, at the industry level, I am particularly proud of one thing in the last 11 years, and that's a massive education campaign that we have undertaken on a variety of issues, including, in particular, the one you have just talked about. We have distributed over five million free booklets to Canadians on a variety of issues. The most important one is how to get value for your fees. There's a very simple calculator in there. You look at your customer profile and decide how you use the banking system, and it points you in the direction of the sort of package you should have.
In addition, perhaps the very best thing that's happened in the 11 years I've been there is a high school education seminar that we provide on personal financial management. How you can manage your money in the most efficient way is at the heart of that particular program.