Mr. Speaker, following on my colleague's last question, whenever we are debating economic principles it is not just a matter of if we do this then this will happen. Oftentimes it is, if we do this this might happen and then five other things that we have not modelled the assumptions around.
I would like my colleague who just gave her speech to expand on a couple of things. First, we talked about how this motion may well not be subject just to the federally regulated banks, that it does not in theory include the private ATMs. If the federally regulated ATMs were pulled out of a market because of profit margin losses and replaced by private sector ones, would that not affect, or could it not affect, a certain demographic that uses those machines disproportionately? What would the impact of that be on Canadians?
Second, because I love to debate economics in this place, I wonder if she could expound on the appropriateness of the government to legislate informed choice in this matter. Do consumers not have the choice when they put their card in and the fee is listed to say yes or no as to whether they will accept that fee?