Thank you, Chair. I'm also splitting my time with Mr. Caron.
Very quickly then, Mr. Kelly, we've been talking a lot about merchant fees and everything else, but this is not just coming, it's here. Let's be clear, e-commerce is here. Mobile payments are here.
What are the obstacles out there facing the small and medium-sized businesses, and is there anything we can do at this committee, at the government level, to ensure that we're helping Canadian small businesses prosper in e-commerce?