On se demande, si elles devaient offrir un service sans conseils, pourquoi elles arrivent à 1 p. 100 plutôt qu'à 2,25 p. 100. Aux États-Unis, il y a une différenciation qui est très claire.
You would wonder, if they were going to come into the business on a without-advice basis, why wouldn't they come in at 1% instead of 2.25%? In the United States, there is a very clear differentiation.