I understand. If you actually look at what's going on with the Internet, there's a new technology coming on that you might have heard about. It's called Web 2.0. This technology is about giving clients a central access.
For example, Royal Bank has invested in CashEdge to the tune of $5 million. They actually take user IDs and passwords and store them in their system. This way, they can effect going into other banks.
For example, Scotia does not like Royal Bank doing this either. But Royal Bank does it all day long. You can get consolidation of your CIBC account, your TD account, and your Bank of Nova Scotia account all in your Royal Bank account access. And by the way, they're introducing money transfer using that service too.