They're considering it on a continuous basis. I don't think there's a product or a service that's offered by the individual banks that's not under constant and continuous review as to whether the quality can be improved, whether or not it can be at a better price, and in particular whether or not you can steal some customers away from the other banks. There's a continuous review.
There's a point that I understand was made by the CEOs when they met with the Minister of Finance. My understanding is that they said thank you very much, we have these products and services under constant review, and this is a useful input that was made to the process.
I want to come back to access, though. It is not recognized what a fundamental change the point of sale and debit terminals have meant to seniors, students, Canadians of all sorts and stripes. This use of the cash-back services has been explosive, and they are available in convenience stores, in grocery stores, in drug stores, in liquor stores, where Canadians live and work and do their shopping—