Thank you, Mr. Chair.
Thank you, Madam Minister, for appearing before us.
I'm a little bit surprised that you wouldn't talk about the HST, one of the most significant economic policy shifts that's taking place for small business and tourism.
Before I get to that, though, I would like to ask you about the credit card issue and your opinion on it. The Canadian Restaurant and Foodservices Association estimates its members have a before-tax profit of 4%, but have a 2% charge from the credit card companies on average. Do you think that's a fair ratio that they have to pay for that service? Is it fair for those business people who actually run those operations and employees to have that type of relationship?