It'd be a good idea to read it correctly before quoting it, otherwise it generally misleads Canadian voters.
Ms. Oliver, let me put on my economist hat. You're talking about fees and you're being very diplomatic. I think Wealthsimple is trying to break into the banking market, which isn't easy. It's hard to change banks in Canada. Customers are captive. Even though there are a number of businesses, the Canadian banking community is concentrated. It meets a number of criteria of what we could broadly call a monopoly.
Do you think there's enough competition in the Canadian banking sector?