Thank you.
I want to direct this to the folks from the Competition Bureau.
I want to thank you for those answers. They were great and to the point. You've been very informative, but I want to get back to the mobile payments piece. I want to get your thoughts and your input on what has been done in the past in relation to small business and the burden, I guess, that they've been receiving from the unnecessarily high merchant fees that accompany credit card payments.
Could you foresee a shift to mobile payments, particularly with the emphasis on mobile credit card applications? Will that saddle small and medium-sized enterprises with additional merchant fees? Also, should we not be looking at allowing the debit market to compete in this area as well? The cost to small and medium-sized enterprises is significantly less for debit. I'd like to hear your input.