Thank you, Mr. Chairman.
I'd like to get back to the issue of costs because that seems to be very important.
I must say that your strategy completely escapes me because people are telling us that they can't make the link between the cost of service offered and the fees that they must pay for that service. You're telling us that you do not want to reveal the cost for competitive reasons. We're getting somewhat contradictory statements here. Indeed, you're also telling us that you're extremely transparent, but you don't want to give us the figures. That seems strange to me.
I might have something to propose here and I hope that you will agree with it. Let's say each one of you, the banks and financial institutions, are asked to submit your figures to an independent organization, such as the Competition Bureau. That organization would keep that information confidential. It would simply give the committee the average that is calculated given the various figures. That organization could appear before the committee to tell us, overall, the difference in the cost of a transaction from one bank to another, from one institution to another, be it 25¢, 35¢, $1 or $3. Would you agree to this approach, in order to help us make the right decisions, or is legislation the only way to go for us to obtain that data?
Mr. Tremblay.