Thank you.
In following up on that, we're hearing about things like Google Wallet. That has been launched in the States, but it is also using VISA and MasterCard, which have those interchange rates. I'm sure it's inevitable that Google Wallet is going to come to Canada. What type of impact will that have on merchants?
In the last Parliament, this committee looked at how interchange rates are affecting small and medium-sized enterprises. When we have something like Google Wallet coming forward, which we are hoping will make things easier for the e-consumer, how is that going to hit SMEs?