I'm prepared to accept the ruling of the clerk on this, and I tend to agree with him, but I also regrettably agree with Judy that a good portion of the testimony had to do with electronic transfers--you could top this up with a little gin; when I am agreeing with Judy, I need everything I can get--and that the government has not seen fit, for whatever reason, to come forward with a bill that incorporates electronic transfers.
The Canadian Payments Association spoke to it at length on questioning from all members, and I think it is time to come into the 21st century. I would prefer that this committee not let it go--that in fact this committee take some initiative with respect to electronic transfers and within a very short time call the relevant folks together, including the folks from the department, and tell them that this seems to be a huge rip-off on consumers, so we want to deal with it, and deal with it then.
I take it from the vigorous head-nodding from the department that it is their concern as well, and therefore the government's concern and the members' concern. I think we could leave it there in the good faith that we will come back to it sooner rather than later, Mr. Chair.