Again, we pride ourselves on going direct to the consumer and providing the best value for the service that we have. Compared to other incumbent products, our fees are much lower. You save the increment, the difference between what you pay at a regular mutual fund, and the mutual fund fees are not transparent.
Just like I was mentioning earlier, the interchange fees, the mutual fund fees, are paid on the back end and collected by the financial institution that issues that mutual fund. Those mutual fund fees are some of the highest in the world, up to 2.5%. At our company, you're right, you can either do it yourself, you can invest in a financial product yourself, in a stock or an ETF, which is kind of like a mutual fund, or we have another product where we can manage your money for you and charge you a much smaller fee to do that compared to a full-service provider.
The difference in the savings would be something that you could reinvest back into your RRSP, and that would grow, as we say, up to 50% more.