I'll start with you, Mr. Bradley, and then I'll give Mr. Lebeuf the opportunity to answer this.
We could go back to the last Parliament and an issue that is ongoing, the “stop sticking it to us” campaign by the Retail Council of Canada and CIPMA, and there are many other organizations that were very concerned about merchant fees, the fees that are hitting small and medium-sized businesses when people use their credit cards. We're hearing now from the Senate committee that the cost of our merchant fees is one of the reasons—there are many, but one of the reasons—that costs in Canada are more than they are in the United States.
If more and more people are going to be using their mobile phones to make their purchases, the credit cards will be linked with this, and so the merchant fees will be attached to that.
Are we going to see any other fees attached to my phone, when I'm using whatever application it may be? Will there be another fee on top of the already high merchant fees that we're hearing of from the small and medium-sized businesses?