So the question would be where that stops, or does it stop? Are we then moving towards one big giant utility that offers all Canadians savings accounts with regulated rates, and so on?
What I've seen, as Mr. Thibault has alluded to--we have similar demographics in our ridings--is that when banks have left, credit unions have moved in. We have found there are better services and a combination of various ABMs in communities that otherwise would not have banking services at all. If we try to regulate away the differences, are we not in danger of the perverse consequence of actually limiting the availability of that same service in certain parts of our country?
Mr. Conacher, I'll give you a chance to respond.