Thank you, Mr. Chairman.
I simply wanted to add that it is important to note that, even if we take the Australian system as an example, a study should be conducted in Canada to ensure that the system improves and adjusts to our Canadian environment.
One of the suggestions that were made, even by Australian retailers, is that it should be ensured that all credit cards are represented in the system. Some say the mistake in Australia is that American Express and Diners Club cards were not previously regulated. That's the only change that I would suggest.