Thank you.
I think that brings it to an interesting point. As Mr. Trigg was saying, there is no free lunch. If we want the service out there, and we want these points of sale.... I don't think we necessarily want less. I don't think we want a lesser distribution. Maybe we want a better distribution in some instances.
I live in a rural area that's well served, I think quite well served, a lot better in terms of access to cash at any time than when we had to depend on banking hours. It's true that there is some cost, but the cost is less than before for having immediate access to ATM machines, debit machines, credit card transactions for small business. You have your guaranteed cash. You have your cash deposited in your account a lot better than with personal cheques...and some NSF cheques and all the other problems that were there.
If we're going to regulate, if we're going to legislate, the only thing I can think of that could solve some of the problems I'm hearing about here today is that Canada Post should do it and that every Canada Post outlet should have a free ATM machine. But then again, that would have some cost.
I was listening to Mr. Douglas, hearing about the changes that have been made with the credit unions and their attempts in that. I'm well served by credit unions. I find that their fees and services are similar. There's no big difference between what they're providing and what the other providers are--a little less better than the white labels, but the white labels are generally where the others don't want to service.
I was wondering, Mr. Douglas, what you would recommend. What recommendation would you give us that would give cheaper access to Canadians in all areas?