There has been a lot of progress made. But there is a huge road still to go on that front.
Briefly, on your question about deposit fees, virtually every institution has deposit fees for businesses. If they receive it from Visa, MasterCard, or their processor, or from PayPal, the bank will charge a fee for each transaction. Desjardins was one of the holdouts. They didn't charge these fees. But now these have just been imposed. So now it's across the board. When you get paid by whoever provides the money to you—Chase Paymentech or Menarys or PayPal—you will receive a fee as a merchant when the money hits your bank account. I just wanted to answer that quickly.
Those fees are in the few-dollar range, but if you're settling Visa, MasterCard, Interac, or PayPal on a daily basis, you could be hit with a fee for each of those every single day. This is adding up to significant dollars for members. Our members in Quebec have been sensitive about this very point, so it was a good question.
You asked about regulations affecting the adoption of e-commerce. The CRA is the main thing that most businesses are concerned about, quite apart from e-commerce. With respect to e-commerce, one of the impediments is the ability for small companies in the IT field to be able to work and still gain access to things like the small business deduction, and things like that. The CRA has a very black-and-white view of this kind of thing. It's the employer-contractor rules that are at play here. This is an area that absolutely needs to be fixed to ensure that people in the IT business can gain access to the same tax advantages that any other small business enjoys.