The simple answer is yes, we do look obviously to cover our costs as a private organization that is responsible to our shareholders and our customers. We obviously try to make sure we're covering the costs.
I mentioned the very large investment we made in completely upgrading and replacing our entire ABM network. Those are not investments we make lightly. We always have a business case for that. So we do look to recover our costs over time, and certainly not in any particular given year.
The issue of fees and costs in particular, I know, are of interest to this committee, and it's a complicated question to answer. First, I'm not about to disclose my cost structure, especially with my competition sitting right beside me. That is proprietary information, and we do compete strongly. I would say that because, as we all mentioned, a good proportion of our own customers use our own very large networks absolutely free, there is an element of saying that the charges being incurred by other banks' customers to use our network are more, obviously, than the cost to maintain that network. It is a rather complicated formula, which I don't think any of us would be willing to go into in any great detail, for proprietary reasons.