I have a couple of questions.
Mr. Lawford and Mr. Conacher, in your written briefs you allude to the need for some fee structure to be in place for the banks, in order to protect their own clientele. In essence it's a kind of firewall, for lack of a better word, that safeguards their own clientele against the reality of the marketplace. Essentially, if you could freely access your bank account from any other machine, then why not access ING Direct from your bank's machine too--that sort of thing.
Mr. Lawford, can you elaborate a little on that point? If that's the case, how could one then argue for a kind of utopian situation where there wouldn't be fees? Wouldn't you be asking an industry that we would like to be more competitive to be less so?