Thank you, Mr. Chair.
Once again, Mr. Carmichael, your first question was exactly what I was going to ask. I've been part of the tour that has been launched looking at merchant fees, and that's exactly what all the merchants have said, that they are now charging prices that reflect what they are going to be paying in credit card fees.
If, then, someone is paying by cash, cheque, or Interac, they're actually paying more for products because the companies have to accept credit cards. They have to honour all cards, including the new high-rate cards, and the next level of premium cards could have percentages for merchants that could be up to 6%. That's a huge markup in cost.
I want to branch off a little bit, looking at digital adoption of technologies. There are some cities in the world that have brought in broadband Wi-Fi access across an entire city. That's something that could probably be very attractive to small businesses, because no matter where they were within that municipality, they would have instant access. If they were a mobile business, they would have access wherever they went.
Is that something CFIB has been looking at or has done any work on respecting how it could help your members?