Thank you for your suggestions.
It's good that the bill is at committee. If your party has constructive suggestions, Mr. Paquette, with respect to the bill, I'd welcome consideration. I'm sure the government members of the committee would welcome consideration of those. We have made clear, as a matter of government policy, that we're not about to take action with respect to the request by banks to sell insurance more than they do now.
I'm aware that in the credit union movement, including Groupe Desjardins, there's a different scope of business.
On the second item, about electronic payments, again, that's something we could consider. And I know that you have some comments on that, Mr. Dupont.