Mr. Brian Hayes:

I will make it very clear that we are very well aware of our responsibilities. We want to be absolutely part of this solution, but we are saying, as is the case in other jurisdictions, that there are other providers. We also need to find novel ways in which we can provide cash to people as they need it because cash is legal tender, and it is going to remain legal tender well into the future. However, it is how we provide that infrastructure in an efficient, consumer-focused way. The concern we have is that some of the provisions in these proposed heads are putting all the responsibility on three banks in this country. We think that needs to be challenged, not just from a competition perspective but also from a perspective of fairness. That is why we are here today.