Thank you very much. I appreciate all the feedback.
However, I would point out that it is not a novel idea to require this from banks and to have that included in some form of legislation. I would remind committee members that in fact the Community Reinvestment Act in the United States, which we've heard a great deal about, does exactly this. It puts the onus on the banks to prove that they are not viable and that there are other alternatives. There is nothing now that requires banks to say, to show, or to prove that it's not profitable or viable. They can simply assert that, without any kind of disclosure to the clients who have been loyal to that bank for years and years and years.
We are talking about something that is a vital service, for which people have a right to access.