Thank you.
Mr. Jenkin, with regard to financial literacy, one thing I don't like is it just puts it like, “Well, if Canadian consumers weren't so stupid, they really could do better.” It just plays into that. We have a whole system that's baked in, from even training our kids to go to banking by setting up accounts and a whole series of things.
Do you have an opinion as to how inefficient our economy is because of the value we get out of banking in general? If you look at a $30 a month account just to do basic transfers, you see it's a drag on our actual economy overall, outside even just being inefficient for consumers and small and medium-sized businesses and so forth. That would seem to me to be a significant drag on our economy. We should be improving our financial capabilities and productivity. They often comment on how workers aren't productive, but I think our financial sectors are significantly underperforming to the value that they're actually contributing.