Thank you, Mr. Chair.
Thank you, Mr. Dade, for your very important information today.
You've talked a lot about diaspora remittances. We all know that Canadians contribute a lot of these remittances around the world. We should find out the exact numbers.
One of the things you talked about was the cellphone payment method. I wonder if you've done a study generally on the costs of transferring funds from Canada, the U.S., and other countries to these diaspora groups. I know in my riding, in Mississauga, there are probably at least a hundred different diaspora groups. You see these Western Union shops everywhere. I don't want to just dwell on one company; there are many companies who are in this business. My sense is that they charge a significant amount of money, a significant percentage of the cost of transferring funds. I wonder if you could tell us if you've done a study on that. How can those costs be lowered so that greater amounts can actually get to the people who need the assistance in their home countries?