Okay, maybe I'll move to Mr. Abou Daya.
If you're looking at a basic bank account at $30 per month and you maximize that out through a year, how efficient would you say that is in terms of productivity of the Canadian economy? For a consumer to be spending $30 on basic transactions, most of them being electronic, and they're never even stepping into a brick-and-mortar place, it's hard to believe that's really a productive format.