Thank you very much, Mr. Chair, and welcome to all of you.
My first question is for Mr. St-Amant.
You spoke about risk sharing and about involving stakeholders in the decision-making process, but my question is specifically about consumer protection. You also mentioned, concerning credit cards, several details that consumers should be aware of. You also said that there is total confusion in this area.
What would you suggest that we do to establish a legislative framework that would better protect consumers?