Madam Speaker, my colleague's intervention was about one of the subjects that can affect the pocketbooks of Canadians and small businesses right away; therefore I think the debate is an important one and a very good use of House time. I have been raising consumer issues steadily for over 20 years here, and the subject of banking fees has not received the attention it deserves.
I have a specific question for my colleague. The Interac situation evolved from the banks' coming together in the 1980s, which was 40 years ago. What innovation has really taken place since that time that would justify continuing to have incredible costs that are disproportionate to those in other countries? What innovation has taken place since the system was instituted and put on consumers? There has been no benefit to the consumer under it.