Thank you, Mr. Chair.
Mr. Kelly, maybe we can go back to where we finished off, and I'll add to my initial question a little bit.
We talked about the trends and about the fees, and I think the merchants are becoming more and more accustomed to the fee structures. Do you see any trends that are evolving there?
In addition to that, you talked about codifying some of the credit card fees and the structure. As we wrap up our study and come to the end of that journey, I wonder if you have any recommendations you might leave for us, working on the other side with the reduction of red tape, etc. What are your thoughts on this whole area?