If the financial institutions or the banks indeed felt they could attract more customers to them rather than to their competition, yes, it's what competition is all about. We see there is quite a great deal of competition in the marketplace.
All of us would like to pay less than we are paying for just about anything we do or buy, and that is the case here. If somebody wants to indeed lower the charges, then it may attract more customers. They are free to do so. We would indeed encourage them and would like to see them do so. We are not saying they should be forced to do so.