Thank you, both, for being here. You touched on our cost structure, and I want to pursue that a bit. This particular study is relative to trade, but in the 21st century, trade isn't just goods; it's people. We have business travellers every day filling up airlines, going back and forth between Canada and the United States. My comment, then, will be more about the cost of people travel versus the cost of goods travel.
I don't think many Canadians realize what portion of airfare goes to the airline versus what portion goes to a whole bunch of other folks. Here's one way to realize it. Let's say I travel to my place in the United States and I book using WestJet dollars. WestJet dollars will cover only the cost of the ticket. When I leave Canada, I get billed about $125 in fees and service charges on my Visa card. My return trip is about $57. Both are in Canadian dollars, not U.S. dollars.
Do you have any comment on the fees and what kinds of things this committee could be looking at in that area?