Thank you, Mr. Masse.
One could argue, though, that it gives access to a much bigger market for Canadian businesses. There is no doubt that it provides value to businesses. The question is, are the reductions in fees passed along to small businesses? That's the gist of why we're here today. Definitely, small businesses having access to a worldwide market provides value—in my opinion, at least.
Mr. Perkins, the floor is yours.