Mr. Speaker, there are two issues. I will tackle the second one first on opportunity cost. I think there is a huge opportunity cost in not having these, especially in some of our communities. I can point to some of the rural communities in my area. There would be a significant drive for people to actually go to get money, because the closest place could be 30 to 40 miles away. In many cases, we have a significant number of seniors in our rural areas. In some of these rural areas there has never been a bank. It is beginning to be harder for some of these seniors and folks to actually get out and travel. From that standpoint, it has actually been made better.
With respect to the points on the charges, I am hopeful that these consultations we are having will be helpful in that regard.
I would suggest that there would be a minimum of a couple of dollars added to charges once these ATMs are handed over to a private operator as opposed to the banks. That will happen more and more, because the low-volume areas will just dry up without the higher cost.