Thank you, Mr. Chair.
I'm going to ask this of the Competition Bureau. One of the larger complaints we get from smaller SMEs is in regard to the fees for transactions for credit cards and Interac, as well as the inability to negotiate good rates. There have been high-profile disturbances in the system in the United States involving Costco and credit cards and Walmart and so forth, using their kind of purchasing power.
What needs to change in Canada? Has there been a review of this on our side? The rates seem to be.... I guess, for lack of a better analysis, if you don't have competition, you really are just going to have collusion by default. I'm wondering whether there's been any review of that. That's one large thing.
I actually asked the BDC whether they've considered credit card processing fees. They said they did 10 years ago, but they didn't really give us much of a robust answer. They followed up with the same kind of response—that they did look at that but that was all. They didn't even give us any details, so I'll have to see if we can get those.