This is my last question. I have a constituent by the name of Joe Polito, and he asks me a question regularly about the Bank of Canada. He points out that the Bank of Canada pays interest on settlement balances; those are bank deposits at the Bank of Canada. He's told me that, historically, the Bank of Canada didn't always used to do that, but we do that now.
The question he asked me is this: Why do that? Isn't that a great benefit...? We're paying a lot of money. The Bank of Canada is paying a lot of money in interest on these settlement balances at the banks. It's a great benefit to the banks. Why would we do that? Wouldn't we save a lot of money by not paying that interest on those settlement balances? Could you tell us why we do that?