Thank you, Chair, and thank you to all of our witnesses.
There are so many questions and so little time. I'd like to start, if I could, please, with Mr. Roberts of the CIBC.
You've heard today from Ms. Anderson of the Canadian Independent Petroleum Marketers Association about the frankly outrageous fees that credit card acquirers are providing—merchant fees that cripple business, according to her testimony. Yet we're told that there are no new fees for those people who embrace the new mobile payment technology.
Do the contracts that you're contemplating or have in place now with the acquirers confirm that, and if so, for how a long a period of time?