Thank you very much to all of you for being here.
I'd like to come back to this question, but I have another question that has been flagged by some small businesses in my riding. I'm wondering if you could reply in regard to small agribusinesses that you folks may deal with.
It's about the whole problem or the whole perception that the banks will be applying to get into the Interac business. Also, I believe Interac has made an application to charge higher fees. Apparently, now it's only 5¢ a transaction, but if they're allowed to do this by the Competition Bureau, they will then be allowed to charge percentage fees. Also, the banks, it's my understanding, want to get into the Interac business.
This could have a hugely devastating effect on those small businesses in our small communities, whether they're car dealerships or supermarkets or are selling agricultural instruments. Have you received any feedback on this out there in the communities? Do you have any position on what I've just stated? Would you just like to comment? I'd like to throw that open to anybody who would like to comment.
Maybe, Mr. Wrobel, you could start first.