I worked at the same financial institution that you worked at, Ms. Watson, so I'm familiar, not on the retail side but on another side. I believe the banks do send information out and are required to send it out. If I'm mistaken, I'll excuse myself. When there are changes to service fee structures, customers are informed. There is information sent out to customers. For example, when there are changes regarding a minimum balance, a bounced cheque, or service charges, the banks do inform their customers.
I'm familiar with the information you provided on taking courses on money laundering and so forth. I had to take the same courses that you had to take. We had to take them bank-wide. They're informative. I agree with you.
However, the bank's customers are informed of the changes that take place with regard to service fee changes in the products they have. That I'm very well aware of.