Then I'd just like to point out one final thing. In my riding, for instance, I have an awful lot of homeless people, and it's very difficult for them to open a bank account. In the 2007 report from Toronto, 60% of homeless people do not have bank accounts. It's very hard for them to get ID, so where do they start? I was reading the documents in the bill, and it's very good. Access to basic banking services is in proposed new division 3, and it lists all the things that you can get. But if you're a homeless person with no ID, you essentially can't get a bank account, and if you can't get a bank account, you can't have direct deposit for your social assistance or your welfare cheques. You can't gain access to other government services. It becomes another barrier.
What I would encourage is for more banks to do as the Bank of Montreal is doing. It works with a clinic in Nova Scotia, the ID clinic, to help get ID to people. The Bank of Montreal there in that one town, in Halifax, gives $25 into each bank account in order to get more people accessing these services, so it's a great thing the bank is doing. I encourage more large banks, which enjoy the monopoly here in Canada, to continue to try to get more people into the banking system so that it's not 96%, but 100% with access.