Do I have two minutes? Okay.
Thank you, Mr. Chair.
My third question is to the representative from Rogers.
Mr. Roberts has just spoken about how the risk to the system is more and more digital. According to your brief, the profit margins for retailers are very slim, and it is important that this system not require new investment in equipment.
Does the fact that we are told that the risk could be higher confirm your opinion that this will lead to increased costs for retailers, particularly given that margins are already slim when it comes to credit cards?