Thanks, Chair.
Mr. Robinson, I just have to push back a little bit on one of your comments. You were saying that it's great to see the technology moving forward but that if we actually put any regulation in place, you'll see the slowdown of innovation. But what we also have are organizations—like CIPMA, like the Retail Council of Canada, like the Canadian Federation of Independent Business, the Canadian food and restaurant association, the list can go on—saying that we need to do something now because one more fee, one more layer, will be the straw that breaks the camel's back.
So what we've heard from Visa and MasterCard at this last session is that there will be no more fees, there will not be anything else on top of the current interchange fee. But from, I guess, the perspective of the telecom side of it, will there be a fee associated with this mobile technology, not necessarily on the interchange side but on the app side, so to speak?