Thank you, Mr. Chair.
Thank you to the witnesses for being here. I would like to put a question to Mr. Robinson as well as to the other participants.
My question relates both to consumers and to small and medium-size businesses. We keep adding middlemen. There are institutions issuing credit cards, and there are middlemen processing payments for small businesses. That is another set of intermediaries which I was not aware of. And then, in the future, there will be the cellphone companies.
As far as I am concerned, this can only increase the costs not only of consumers but also of small businesses. As e-commerce or mobile commerce expands, there will be more and more transactions and I wonder if that will lead to a reduction of costs or, on the contrary, to an increase.