Thank you for your question. I understood it.
I will answer in English, if that's all right.
We're not too involved in this issue of interchange fees. That is largely a commercial fight between merchants and credit card platforms. It is significant in the sense that if the merchants are paying high fees, they will naturally need to pass them on to consumers.
This is a legislative problem at this point, and our fellow panellists, the Competition Bureau and the Financial Consumer Agency, have their roles to play. However, while action needs to be taken at the federal level to do something about interchange fees, it's interest rates that are killing Canadians. It's interest rates that are putting Canadian households and families on the brink. That's the real issue.