Thank you, Mr. Chair.
I thank you all for being here for this set of hearings. I'll break mine down into two questions, one for Evan on the whole question of access, and then one for Susan on the question of cheque imaging.
Evan, earlier, I think sort of jokingly, one of my colleagues said we're acting as if this is a public service--access to banks. I'm wondering how you understand financial services. I guess what I'm trying to understand is, isn't it a basic right of our society that one should have access to banking services at reasonable rates in their community?