Thank you for that.
Something that we haven't really touched on, but it's an important part of the e-commerce infrastructure, is payment systems and the way money travels through the Internet when we make online purchases.
Of course, we have the Visas and the Mastercards. The big credit cards play an important role. There's some push-back against those now for fees that might not be commercially viable for some of the people who use those services. We have things such as PayPal, which is a hybrid, and we look at things such as Bitcoin, which obviously undercuts the traditional payment methods altogether.
Have you guys given any thought to that infrastructure and what role that's going to play in making sure that Canadians can leverage e-commerce to the benefit of Canada and Canadians?
Professor Geist, maybe I'll start with you.