Mr. Speaker, it is good to see that the member is not biased in terms of what he anticipates will be taking place at the end of the year. I would challenge him on his conclusions, I must say.
One of the things that provides competition for big banks is our credit unions and other financial institutions, which are under provincial jurisdiction.
We have a New Democratic government in the province of Manitoba. I wonder if the member might provide some advice to provincial governments, of all political stripes, even the NDP, on ways to deal with paying to pay. In Manitoba, for example, if one gets a fine and wants to pay the fine, one ends up paying to pay the fine. We hope to see the NDP in Manitoba try to get that one right also.
Perhaps the member could provide some comment on credit unions, which have done well in terms of providing competition in Canada.