Okay. Does anybody else want to comment?
Before I get into some other questions, a number of the banks own white labels and so are abandoning marketplaces and allowing their subsidiaries, through ownership of white label organizations, to take up that space and charge more and make more money.
A relatively old show, Marketplace, mentioned both Royal Bank and CIBC in January 2000, so if either bank wants to comment on that, Sonia, that would be.... Ms. Baxendale.