Thank you, Mr. Chairman.
I carefully listened to your speeches. Something surprises me. Your brief states that the rate is 1.9% in the United States. Let's suppose that all cards, MasterCard, Visa and debit cards, have the same 1.9% rate and that one year later there is a 2.5% increase for all three, and I call you to say that all three have taken advantage of their dominant position to increase their rates at the same time. According to the Competition Bureau, there must be a certain degree of competition, which means that they're playing with rates. However, if the rates are always equal, there's no competition.
In that kind of case, who am I to turn to? Who am I to talk to for there to be an investigation at the Competition Bureau so that there isn't always a systematic increase or a systematic decrease? What do I have to do to trigger an investigation?