Thank you for your question, Mr. Garon. You have essentially summarized, in a few words, the second proposal I made earlier, during my opening remarks, and I will reiterate it, for everyone's benefit, if I may.
This is precisely what we are asking the federal government to do: apply the user-pay and transparency principle when it comes to the credit cards' and banks' rewards programs. That is exactly it. We want greater transparency about everything, on the part of everyone. That is entirely true, but we want it to be standard practice. I think you, I, and anyone else, as consumers, want to see the fees we are being charged when we look at our bills.