Thank you very much for your presentations. Our fellow citizens are very interested and concerned about this question. When you pay fees, you always want to know whether or not you're getting your money's worth.
Mr. Hockey, do you have a total cost-recovery policy with regard to your ABM facilities? Does your bank keep separate accounts about this? Are your costs covered? Do you make any profit from the fees collected at ABMs or is this an attraction cost for your institution?