Thank you, Mr. Chair.
I would like to say that we recognize the challenges that Canadians face, especially with issues like credit card rates. That's exactly why we've been working on this issue since we came into office. We came to an agreement on interchange fees that was important for consumers. Most recently, during the COVID-19 crisis, we've negotiated with the banks and encouraged them, and they have come out with reductions in their credit card fees that are significant, and deferrals for customers—