That is an excellent question Mr. McTeague.
We feel that this study on Visa's and MasterCard's practices, which are probably anti-competitive, is a first step. We hope and we recommend that the Competition Bureau use the necessary resources to conduct a study of the kind undertaken in England and Australia on all the fees charged by credit card issuers. We think that this information is necessary in order to understand what the situation is for all stakeholders and in order to identify an appropriate framework for this issue, or appropriate legislation.