Thank you.
Good morning, ladies and gentlemen. I would like to thank you for your presentations.
It's good to be here in this historic city.
My first question is for Mr. Lafleur, from the Conseil québécois. With respect to the credit card fees, we had some presentations to this committee earlier in the year from various parties. One of the comments that the merchants have made to us is that by contract, credit card companies often restrict the merchants from offering a cash discount price and prevent them from declining to accept certain types of credit cards that attract higher fees. Is that something your members have told you about?