I will defer to my colleagues to get off the hot seat, but I would say I don't know the details of the particular proposal you're talking about. I do know that in the course of this issue there have been many references to studies on the overall cost of banking, whether it be U.K. studies or U.S. studies or from independent bodies.
There is a lot of information, some of which the other bank representatives and I have referred to, that would suggest the overall cost of a complete banking package in Canada is incredibly strong and positive for consumers, as compared to our competitors worldwide.
You can always look at anybody individually and say that's a particular fee. I think the representatives from the CBA have said it's like judging the overall cost-effectiveness of a grocery store based on the cost of milk and the price of milk. It's inappropriate; you have to look at the complete basket of goods. We think that has been done over and over again, and we are very competitive. We know it.