We also had a presentation from Raymond Protti, the president and chief executive officer of the Canadian Bankers Association. Perhaps Mr. O'Connell could comment, and if time allows, Mr. Cran could also comment.
He said that ATMs have been great for Canada, and the only issue that continues to arise occurs when a user of one particular financial institution goes to another financial institution's ATM machine and is charged a fee. That seems to be the issue we are continually dealing with.
Would you agree with that?