If there's no disagreement, I'll accept that as your view of the facts. But there are a couple of areas where I do have concerns.
Perhaps I'll start with you, Mr. Westlake, with regard to the first area, the captive market. I recognize it's not the purview of Parliament; it's the purview of the individual operators, I guess--the universities, the airports, and those institutions. But where you have a large market of people who are pretty well captive to that locale and you limit the choice of machines in those areas, where you have one institution that bids on that market, then the clients of other institutions won't have free access to their money. They will have to pay convenience fees. It's similar to airports. That is a concern to me.
I would ask, in your discussions and through the Canadian Bankers Association or however, that you consider finding a fair way to give reasonable access to all institutions, from credit unions to the large banks, to give some access to those captive markets.
Is that possible?