Thank you, Mr. Thibeault.
We are doing work internationally on this. As you know, mobile payments are a very new development. There are lots of different platforms out there, so lots of different ways in which companies are presenting the transactions.
The OECD consumer policy committee, which I chair, is working right now on revising its guidelines for consumer protection, which form the basis for what governments take as the standard for their consumer protection legislation. They're dealing with mobile commerce right now as one of the items they're looking to update. The guidelines were initiated in 1999. They're ten years old now and in need of revision.
There are concerns about issues such as disclosure, screen size, security, and other similar issues. I hope that work is going to come to an initial conclusion, at least on that part of it, the mobile commerce side, within about a year. Eventually that may result in some OECD guidelines in this area, which national governments will look at in terms of how they may approach the issue.