Madam Speaker, my apologies for throwing the member off. He made me have a flashback when he made reference to the the K–car and the Caravan, two vehicles that really saved Chrysler.
Having said that, the member brings up a lot of very interesting points. There are some fees within the banking industry with which I believe we should be, as much as possible, aggressive with our financial institutions.
One of the things we do not hear as much about is our credit unions. I have found that the credit unions play a very important role in ensuring that there is at least a bit more competition. I wonder whether my friend could provide his thoughts and comments in regard to credit unions. I personally believe that they play such a vital role in protecting the interests of consumer and in hopefully bringing down actual costs.