Thank you, Mr. Chair.
Thank you for the patience of all the witnesses, with two votes intervening.
I guess my question has to do with what exactly people want the government to do. I think my colleague asked a question or two on that, and I'm not sure he got a terribly clear answer. I'm a little bit with Diane Ablonczy on this, which is a rare event, but it's a question of unintended consequences. As a simple matter of economics, it seems to me that if, for example, you ban fees on bank machines giving money to people from other banks, then there will be far fewer of those machines. If there are far fewer of those machines, people will have to use the white label machines, which are now 60%-plus of the market and cost a whole lot more.
I don't understand what the NDP is proposing, or what others are proposing to do, because it seems to me that you could easily end up hurting the very people you are trying to help. I haven't heard a clear answer on that. I'd like Mr. Conacher, who wants to speak, to answer briefly, and then Mr. O'Connell would be a good intervener as well.