Thank you very much.
Madame Brisebois, one of my favourites was an issue—and you talk about it in your submission—with regard to Canada's need to develop a modern digital payment system. We will be unable to compete in the digital economy in the 21st century if we don't. I wonder if you could elaborate on how Canada's current payment system is restricting economic growth and/or hindering our true productivity. In this regard, what modernizations would you suggest we should be considering?