Thank you very much, Mr. Chair.
Thank you to everybody for being here today.
Mr. White, I want to pick up on the theme of transparency you were getting at with Mr. Masse. I actually used to work for a telecommunications company. I can tell you about one of the most frustrating things for me in going to someone's house as a customer service technician. You know that the service you're installing is up to 10 megabits per second, but the customer asks why they're only getting five: “I bought 10 megabits, didn't I?” No, they didn't. They bought “up to” 10 megabits. The problem was that they were being sold something that wasn't true.
I know that my colleague Dan Mazier has brought in a bill to make sure that telecoms are providing all of the upfront information at the point of sale. That way the expectation for the customer is realistic.
I feel that we don't have that when it comes to credit cards. I'm wondering if you can talk a little bit more about how we could strengthen transparency around this to make sure that the consumer gets accurate information prior to getting their card. I want to qualify that by saying that I do think it's a little bit up to the consumer to do the research prior to that, but in the same breath, I do think there is an element that falls on the company.