Thanks, Mr. Chair.
Thanks to our witnesses. This is important testimony.
I'd like to start with Mr. Deturbide and Mr. McLean. We had testimony on Monday from Dr. Jacques St-Amant, who talked about the legislation in place in other countries that are ahead of Canada in e-commerce. Mr. St-Amant cited Australia, for example, and the United States.
Two aspects of that are the administrative charges and the credit card charges that many businesses are facing through e-commerce. I'd ask Mr. McLean whether he would favour the type of legislative initiative that would cap, as they have in Australia, the charges that go to businesses.
Mr. Deturbide has raised concerns about security and data security. Does he see legislative frameworks around the world that would be useful for Canada to adopt?
I'd ask you both to be fairly brief, if you could.