Mr. Speaker, I have a fairly simple question, because the issue of pay-to-pay has certainly come up. The New Democrats have been pushing for the elimination of pay-to-pay for years, so this is actually one small element that we like.
However, the Conservatives have gone and given the banks an exemption to this policy, and they have not explained yet why. I wonder if the member would perhaps be able to explain why the Conservatives decided to give the banks a free ride with respect to the ability to charge people to receive paper bills.