Thank you, Mr. Chair.
It does depend on the circumstances. If that customer is well known to the teller, if this is a small rural branch where all the clients and employees are very much on first-name terms, then that conversation probably wouldn't happen because they know the customer well.
If it was a newcomer to Canada who had come in and was in a busy metropolis, I would hope our people would look for opportunities to advise the clients and at least have the conversation with them to see if there's a way they have some needs that aren't being met.