I'd like to follow up on what Mr. Gaheer said earlier.
When you want to withdraw money at any courthouse in Quebec, the fees are exorbitant. Based on what we read in various articles, those fees are mandatory. I just want to draw your attention to it so that you can verify that too. Interac and the banks seem to be telling the government that the Quebec government is the one charging those fees in courthouses. That's not true.
It would be interesting to include that kind of abusive fee in your study—that's what some media are calling them. I'm only drawing this to your attention.