Okay, thank you.
There's another thing I'd like to touch on. A number of you have touched on the cost of doing business. Mr. Westlake, you just talked about the various fees that are involved in providing ABM service. Ms. Baxendale, you spoke of a number of measures CIBC has taken to make bank machines more accessible. White label machines are actually preventing you from having to incur these costs. You don't have to pay them anymore. So based on these savings, isn't it counterintuitive to be charging additional fees for people to use them? They're already paying a fee for that convenience, and your customers are benefiting.
What would you say to that, Ms. Baxendale?