Thanks, Mr. Engelhart.
Certainly that's part of what we as a committee hopefully are going to establish--some recommendations that will help create a better environment for doing business.
I come from a business background, Mr. Bradley. You talked about the fees, the interchange fees versus the transaction fees or the merchant fees, and as a business operator I don't differentiate. What we've heard from small and medium organizations, including the CFIB and others who have been here, is that the fee structure in Canada is a hurdle to growth in that part of business and the economy.
Just to follow up on what Mr. Thibeault and Madam Gallant said earlier, when you start talking about the fees as a whole, I'd like your opinion. I understand it's early, and we heard some exciting thoughts on technology, but if this is truly a hurdle and something that's going to impede growth and economic development, and something that we have to get our heads around, do you see, with the development of the technologies we're hearing about and the advances being made, that there is an opportunity that this will in fact reduce fees, the consolidated fees, the fees that business owners have to pay every day in order to do business with Visa or MasterCard?
Mr. Lebeuf, I might like to ask you the same question afterwards.