Finance committee  I might have the opportunity to come back as an interested citizen.

Finance committee  Correct. Thank you.

Finance committee  Are you asking can we provide that?

Finance committee  I really have no idea if I can provide that information. I'll go back and investigate. You'll find in the submission that we list at least 15 different cost elements that are involved in the management of the ABM system, so I'll have to take that under advisement, and I will get back to you and to the committee on it.

Finance committee  I agree with you.

Finance committee  I take your message to heart, and I'll be taking your message back to each of the institutions very clearly. I'm a senior now, and I qualify for a free fee package from my particular bank, and I think most of the banks--

Finance committee  Don't get me into that. Just very quickly, three weeks ago, I went in to get a trim. The guy ahead of me was there for 15 minutes in the chair at my barbershop. He had a magnificent head of hair. He got charged $27. I was in there for eight minutes. I got charged $27. So please don't mention hair to me.

Finance committee  From a convenience fee, in particular, Mr. Chairman?

Finance committee  I'll have my colleague, Ms. Michell, explain our estimate. There is an estimate out there, which was put out a couple of months ago, that suggested that the amount we made from convenience fees, the $1.50 charge, was something in excess of $400 million. That number was derived by taking a U.S. study and taking 10%, but our--

Finance committee  We think the number is $153 million. Do you want to...?

Finance committee  Mr. Chairman, I think you've struck what is a critical point for deliberation by this committee, because there is, indeed, the possibility of exactly those unintended consequences. We don't have to look further than the U.K., and what happened there, when it was agreed that the banking institutions would drop the convenience fees they offered.

Finance committee  Well, I think you have an excellent point, sir, with that comment. Each of the banks has a strategy for educating their client bases. It can be face to face, through brochures, through their websites. Each of the banks has its own program, and I'm going to provide you with some information on each one of those.

Finance committee  Well, we wouldn't have that knowledge. That would be knowledge that each individual institution would have. It's really a question we would have to take back to the individual institutions.

Finance committee  Well, to the extent I can provide that information, Mr. Chairman, I certainly will. There are a variety of questions we haven't had a chance to respond to, and I'll be responding, Mr. Chairman, to all of those.

Finance committee  Thank you, Mr. Chairman.