I think there are two parts to that. In the immediate future, our role is to keep driving transparency, for the benefit of Canadians and consumers, to drive those fees down. That's what we've been doing for the last 25 years at Questrade Financial Group.
The other part of that is we need to make sure that we get real-time rail up and going. We've been talking about it for a long time. The fact that you can't press a button, move money from one business or consumer to another and see that in real time is a big drag on the economy. It's a drag on our productivity. It's a drag for businesses because they're not sure when they're going to be able to access the money and to make whatever other payments that they have to make their payrolls. This is all a drag.
In part, referring to an earlier question, is that perhaps why we're paying these $30 account fees? If we made things easy, that are available through the Internet and through the phone instantly, that would drive the prices down and benefit businesses and consumers.