Thank you, Mr. Chair.
Welcome, everyone.
Mr. Conacher, in your opening statement, you raised some important points that have been overlooked throughout a lot of this. We've heard about fair treatment, fair pricing, corporate responsibility, and transparency.
What can we do to ensure those things are put in place so that credit card companies can't gouge consumers with 26% interest rates because they're four days late on a payment? What can we do to ensure that merchants and small and medium-sized businesses won't have to increase their costs to the consumer because of what interchange fees are doing?
Maybe you can explain some of your ideas.