I think the decision in terms of whether we would pass that on or take it on the bottom line would be an individual choice by institution. Clearly, what we would do is look at the impact of those costs. It would clearly have an impact on our investments and whether or not we would continue to put ABMs in different locations. As I mentioned a little earlier, I think you'd end up with a similar model to what you have in the U.K. now, where a lot of those have been passed on, through other banking costs, to their customers. They've raised the level of banking costs.
So if you look at the cost of banking in the U.K. versus in Canada, it's more expensive in the U.K., from a banking perspective, for various numbers of products than it is here in Canada.