Good afternoon once again.
I had a question for the Canadian Federation of Independent Business. I don't see in your recommendations the idea of establishing a fixed rate for the interchange, as proposed by the Canadian coalition. In your first recommendation, you state: “Appoint an agency responsible to oversee credit card and debit card fees and activities [...]” I think that's like passing a hot potato to an agency that will have to deal with it properly.
Would you be in favour of a solution under which the interchange rate, following a study, could be set by an act that at least would determine a reference point for all credit card companies?