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, 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, that they should also be looking at ways to deal with the idea of paying to pay. In Manitoba, for example, on the other side, if we get a fine and want to pay the fine, we end up paying to pay the fine. We hope to see that the NDP in Manitoba will try to get that one right also.
Could the member perhaps provide some comments on credit unions, which have done well in terms of providing competition in Canada?