Mr. Speaker, I heard many questions in there.
I would like to thank my hon. colleague for his comments, and I am happy to respond to them. I have been able to work with my hon. colleague for the last six years on many files. Of course, small business is one we have always talked about, especially when it relates to the credit card file.
There are so many small businesses in my hon. colleague's riding that he has been very vocal with me about on numerous occasions, because they go to him. He then comes to me, and we work to try to find ways of helping them resolve the issue of the fees they have to pay.
I will not be specific, but when a small-business owner, a restaurant owner, from my colleague's riding comes up to me and says that the business is spending $20,000 a year on fees to credit card companies—