Thank you to the lady and the gentlemen for being here this morning.
This is a very complex issue and a study for which we're trying to get diverse expertise from witnesses from around the world. I thank you folks from the U.K. this morning as well.
My first question is to Mr. Clement. I want to piggyback on Mr. Dubourg's comment about the white-label ATMs. Some of the major banks have white-label ATMs as well. Is your concern more with the independent, private ones and not with the big five banks per se?