Mr. Speaker, earlier this morning I heard an answer in which it was clarified that the substance of this debate was on ATMs specifically run by federally regulated institutions.
I wonder if my colleague would clarify. Has there been any modelling that shows what the tipping point is between profit margin and service provision in low-volume areas? What would the impact be of these unregulated ATMs going into that space should they be vacated by federally run regulators, if the profit margin is not there? What would the modelling be in terms of the actual cost to consumers?
I guess the last thing I would ask him is a more esoteric question. What is the cost of the convenience, from an opportunity-cost perspective, of having access to cash 24 hours a day versus the cost of federally regulated banks running banking hours and allowing people to only have cash access through there?