I just want to highlight one other thing in your brief. It says:
The end result is that Canadians and small businesses continue to face high fees—some of the highest in the world—every single time they make a payment. At a time when budgets are stretched for both consumers and small businesses, these costs are difficult to bear and inequitable.
That's a very strong statement, and I'll go back to my initial question. I know there are only a few seconds. In terms of cost-efficiency for consumers, what would this policy mean if it were implemented?