Your conclusion talks about how Canadians want to participate fully in the digital economy. It goes through some very good points there, which would lead to a question I would bring to Monsieur St-Amant.
You appeared before the industry committee in 2011, and you were talking about the importance of regulating the electronic payments sector for the same reasons we have implemented traffic lights and lines on the pavement. There have to be some clear rules for the road, for example, which everyone complies with to reduce risk, sustain trust, and facilitate involvement and participation.
We know we have Canadians chomping at the bit to get into this, but we're seeing that there's still a lack of rules out there for many of the players involved.
With that, do you see, for example, making the voluntary code of conduct for credit cards mandatory as requested by the Canadian Chamber of Commerce?
With one minute, I'll hand that over to you, sir.