Mr. Chair, I can answer the question, at least partly.
First, notwithstanding SMEs, no company has made any representations to us about this issue. However, various organizations, such as the Retail Council of Canada, which is it to appear before you next week, have indicated that they have a problem with what some credit and debit card companies want to do.
I also know that retailers have expressed some reservations about the way the code is being presented. Over the 60–day period, they have the opportunity to make representations to the Department of Finance. I do hope they will seize this opportunity to explain their problems and issues since this will probably have an influence on the code.