We share your concern, and it's something that we recognized early on.
In fact, as part of the research we did leading up to the seniors code, we did a survey of banking practices, banking habits by different segments of the population. That gave us insight into who uses bank branches, or who doesn't use digital banking. That information was very helpful to our reacting quickly to COVID, when we realized that bank branches needed to be shut down for the health and safety of the bank employees. We communicated both with the Department of Finance and the regulated entities, saying that we understood that they needed to protect their employees, but that they also needed to provide services, and that here are the groups we're concerned about, because we know that they are the ones who are most dependent. And you're right, they are our seniors or people who don't have access to reliable Internet or to the computer hardware that is required for digital banking.
We're pleased—well, “pleased” may be too strong a word, because we're never pleased—to recognize that banks did take action to provide alternative forms of service. In terms of telephone banking, obviously it's not perfect. Banks then provided things like specific hours for seniors and vulnerable people. One did a jump the line. They definitely did try to find ways to bridge this problem that, unfortunately, disproportionately affected certain segments of the population.