Thank you very much.
Basically, my study showed that you put the ATM surcharge significantly above the marginal cost. I'm not looking at the level of the marginal cost. I'm saying you could use this fee as a marketing tool.
If you look at banks, they spend lots of dollars on advertising. Instead of spending it on advertisements, they could spend it on ATM machines. This is a marketing tool for the banks. They can say they have a large network, they provide convenience, so switch and be their member. We're not looking only at the marginal cost; there are many other factors that we're ignoring.
I have a really neutral position. I'm a consumer. I would like not to pay anything, but I'm trying to be fair here.