Thank you.
The next area I would like to focus on—and I think it's a huge area of interest—is credit and debit card code of conduct. I always remember being newly employed in the workforce and talking to a colleague of mine who said they had paid off their credit card when in actual fact what they did each month was pay down the minimum balance. I remember at the time being a little bit stunned. I think the whole issue we're dealing with is not a new problem but perhaps an expanding problem in Canada.
We've talked a lot about consumers, but there are all these products and opportunities for businesses. Can you talk about what measures are currently in place to ensure that small businesses understand the costs and benefits associated with credit and debit cards?