Mr. Speaker, on the one hand we have brought in legislation that will make it eminently possible for a number of new banks, including credit unions, to provide smaller communities with a great deal more access to banking.
We have also brought in guaranteed access to bank accounts. We have now provided a guaranteed low cost account for Canadians.
In terms of closure, as the hon. member said, we are already finding that mandatory delays on closure so that the communities and the banks can come together are bearing great fruit.