I mentioned in my comments that the U.K. model was not a model that we should follow. I think that's a good comparison to make here, because in the U.K., in fact, there's a significantly smaller number of ABMs per capita than we have here in Canada, and they did abolish convenience fees. What they've done, then, is package those into other fees. I could give you examples of what would be charged for things like NSF cheques and different things for which we charge $10 here. They charge £10 to £12 there, which is $30. They're built into other products and services.
With less investment in the ABM network, there likely would be more costs in other products and services, so I think you would see less choice and less convenience.
I would make one other point. After listening to some of my peers here today, I would say we've made collectively as a group in ABMs, or will have made by the end of next year, about $75 million in upgrading our ABM system. It's all part of an integrated platform; it is not just about ABMs. When we open new branches, that's part of our branding. It's part of our marketing, and it's part of convenience. If we were to abolish fees, there would be an impact for consumers and Canadians. There would be a pass-on at some point.