Mr. Speaker, I would have to disagree with the previous speaker from Sudbury. As I pointed out earlier, data from the Canadian Bankers Association says that 75% of these transactions are taking place at people's home banks where, in many cases, there are no transaction fees. That is what people are doing.
However, at the end of the day, there is convenience, and for that convenience to be out there, someone has to be willing to make that investment. If the investment is not made, guess what? There is not going to be any ATM in that location at all. I am not sure how seniors are going to feel then if they have to drive 30 or 40 miles to go to a bank because of the hollowing out of the ATM market in rural areas.