Thank you, Mr. Chair.
Welcome, everyone. I want to thank the witnesses for being with us. I find my colleague Mr. Arya's questions very interesting, and I'm going to continue in the same vein.
Mr. Leman, I'm going to translate your remarks into French. You said that consumers were not being charged interchange fees.
I'm sure you took an economics course at university. I see you studied at the École des hautes études commerciales de Montréal, the HEC.
Is that correct?