We don't really have a view on that, because that's not really our role as a regulator. What I would say is that, when you are armed with the information of how much the transaction will cost, you can decide whether or not you're going to use the service of e-transfer. It's a bit like deciding whether you want to use a service that is more expensive or a different service that is less expensive. There are other ways, for instance, to give people money, and you could opt to do that.
As a commissioner of FCAC, I don't have a view on that. It's not in my purview. What I care about is whether consumers have the information they need to make intelligent decisions and to act on them in the marketplace. That's really the element that—