Thank you, Mr. Chair. It was a fascinating discussion of cap and trade and the carbon tax, which we now have because of the Conservatives in Ontario, thanks to a $2-billion bill with it.
However, that's not what I want to get on about as we finish this part. I want to rightly bring it back to the fact that, again, food and purchasing is now going on with buy now, and pay later payment systems and what this means for the future and so forth. One thing that's changing in the grocery store sector—and I hope you can highlight whether there has been much study on this—is that they're offering to do their own shopping for customers now, and in there, their advertising hasn't been consistent with regard to food pricing. Also, some of them have fees or deposits that are required to be part of that. Then, what I noticed—and I don't know if there are some good stats on this or maybe it's too early yet—is that it seems that seniors and people with disabilities and so forth might use those services more, and if that's an increased cost.... Almost all of those you don't pay cash for. They're all delivery services that go onto, again....
What accountability or measures are there in that system? If the retailers are now encouraging more practices to move that.... If it has different pricing and costs for doing it, and then you're using the systems that put you into the higher bracket of borrowing again, should there be more truth in advertising to this? Should there be a service for just the regular cost of doing business that's rolled into the whole model, especially if seniors and people with disabilities are a primary target for that?
I think some of this is also a response to those other independents, like Uber Eats and the other ones, that are getting into that market too. I can understand why they're creating a system there. Third parties are using access to their system, so why not have their own system? Again, I've run into issues, and I think there hasn't been the most overt transparency with regard to the cost of using that service.