Thank you.
Mr. Protti or Ms. Michell, we've heard the argument. It seems that it's coming down to, or the argument has certainly come down to, the ability to have access, whether it be in rural areas, whether it be for those with disabilities, whether it be for students, whether it be for seniors. It's an area that you could potentially address as representatives of the banks. Is it something you or they are considering in terms of cost reduction?