Thank you, Mr. Chisholm.
The issue on the foreign ownership was that our banks are looking at acquiring other institutions as well as other banks having subsidiaries in this country. And we need to make sure that we keep it Canadian, to put it very bluntly, that we don't end up with a wholly owned bank within this country.
I have no concerns with having political oversight, because the Office of the Superintendent of Financial Institutions still makes a recommendation that it go to the finance minister for final approval.
On the cheque cashing, I might ask Mr. Rudin to explain that one. I've never run into the situation where no one would cash my cheque, but I think it has happened.
The banking ombudsman is a good question. Frankly, we're concerned about this as well. Consumers need protection and they need, in this case, an ombudsperson who will hear their complaints and take that to negotiations with the bank, or at least explain it to the bank and hopefully receive an outcome that is agreeable to both parties.