I think each one of the banks does provide those kinds of educational materials. As I mentioned, so does the FCAC, and so does the Canadian Bankers Association. If you go onto our website, you will see a wide variety of pretty straightforward information material about managing your money, about credit, about what a mortgage is, that kind of thing.
The fact of the matter is, there needs to be a fair return to the banks in some way, shape or form. As I said, when you look at the U.K. example, there may not be an ABM fee, but there is an enormous fee for other kinds of services. So I still think that when I looked internationally at the kinds of banking services offered by country, Canadians are still getting a good bargain in terms of their banking services.