Thank you.
First of all, I do not know whether the information you have presented is accurate. We would not disagree with a limited look at the financial institutions along the lines that Mr. Conacher has suggested. If indeed there is collusion or if indeed there are markets in which there is no true competition, then those could be looked at.
In terms of the actual profits of the financial institutions, in the absence of proof of those two problems, we're not asking to have regulated fees for an industry in a competitive and open marketplace in this country.