Thank you, Chair.
I guess, Ms. Brisebois, I'll start right off with you, then, before you have to get right back on that plane.
We've been hearing some great testimony since we've been studying e-commerce and mobile payments over the last little while. One of the things we've been trying to identify are the concerns of the merchants on the other side of this who are having to accept the mobile payments and the e-commerce transactions.
We can go back a year and a half or two years, when we had the stop-sticking-it-to-us campaign against the merchants fees, and all the stuff we did on that file. Now, again, the warning flags are coming up with respect to how mobile payments and e-commerce are going to affect the merchants. It's great that we have all this innovation. And no one is trying to stifle the innovation. But how is that going to affect the small and medium-sized retailers?
I guess maybe you can give me your comments on that to start off.