Thank you, sir.
Madam Anthony and Mr. Campbell, you had a very candid answer to the question about payday loans. Your answer to a large extent was that if banks were open at night and on Saturdays, maybe many people wouldn't deal with payday lenders, who charge a lot of money for loans that people could get at the bank at a better rate, and maybe with more respect, and maybe in a more human way.
At the same time, if we talk about service in the service industry, we can see that banks are not of one accord when we talk about service to the consumer. You have TD Canada Trust, which is making inroads in Quebec, at least, with very open hours, augmenting in a spectacular way the number of hours in a week when we can deal with a banker. You have some banks, especially the Royal Bank, that don't seem to give a hoot about that.
What's the real tendency of your industry? Are we going to see more banks follow TD Canada Trust, or are we going to see more banks follow the lead of the Royal Bank in not caring about the consumer? Where is your industry going?