Mr. Speaker, I think we need to consider what is happening in other jurisdictions.
Other jurisdictions that have moved much faster on payments modernization, in particular the U.K. and the U.S., have seen transaction fees reduced for users. I do recognize that we have to think about the different types of players throughout the entire ecosystem: small businesses, medium-sized businesses, and large businesses. Large businesses get to use their own power to negotiate for interchange fees. We should make sure that it is a level playing field for all players.