Thanks, Mr. Chair.
Thanks to the witnesses.
I was going to start somewhere else, but I'm going to continue with Samer. When we're talking about the consumer side of things, it sounds pretty much as though most of those problems are business problems, problems that good businesses have to resolve, and for the most part on their own.
On the merchant side, though, it sounds like we're dealing with issues that are not necessarily all electronically related. Some of them are just trade related, I guess, in a sense. Maybe you could elaborate on that a little.