I think the market is the best common denominator in all of this. Regulating fees is not going to accomplish more choice and convenience for customers around the country. The bottom line is that customers have the opportunity to move somewhere else if they're not satisfied with the fee package they receive from a particular institution. They can vote with their feet.
As I think you've heard here today, all of us have said that anywhere from 75% to 90% of our customers pay no convenience fees by accessing their own proprietary networks. One issue that all of us need to look at is raising the level of awareness throughout Canada about how Canadians can better access all of our different banking packages. I think that's something we would all undertake to do.