Thank you, Mr. Chair.
One area that's a bit of a take-up is this. I certainly don't want to speak for Ms. Wasylycia-Leis, but I'd like to think one of her concerns has been those who use the ATMs and pay the additional fee. Depending on which bank you're with, anywhere from 15% to 30% of clients of the banks use ATMs that are not their bank, so to speak. Have you ever done an analysis, a study, to determine who those folks are? Are they folks who are using them because they have the means? Are they those who probably shouldn't be using them, based on their incomes?
I'd open up the floor to anyone who would like to respond on whether you've actually done some of those studies.