Thank you, Mr. Chair.
Hello. I want to thank you for being with us today. Your testimonies have been very interesting.
My first question is to Mr. Russo.
You stated that we always have access to our credit file. However, it is sent through the mail, which still takes a while. If you wish to get your file for free, that's how you need to do it. But if we want access to our file online, we need to pay. Why? Could we do the opposite and get free online access to our credit report? If you ask me, that would be easier for consumers.