I understand that, and I'm getting to the answer.
There's a couple of points in here that need to be brought out because I think they're important.
First , I'll start with one disclaimer. We don't represent the caisses populaires. That's a different group. Setting that aside, a number of issues were raised there, and I want to pull them apart.
In terms of things like cashing cheques, the biggest and best solution from our perspective is making sure that people, to the extent they can, sign up for direct deposit of anything. If they do that, they get funds put directly into their account. They don't pay a fee. They don't—