It's great to hear that more Sudbury businesses are getting online. My colleagues and I tip our hat to Google and to anyone who can provide that service to help those small- and medium-size enterprises get on the Internet.
I liked your analogy, though I was taking it a little differently. It's the best of times; it's the worst of times, or the not-so-great times.
We're seeing technology grow very quickly, and it's making our lives simpler, and that's fantastic. But with that simplicity comes more complexity in the technology going into making mobile payments, the technology going into e-commerce. I think part of this study looks at what we are going to do to ensure that we protect consumers and retailers. A little warning flag goes up that says that we know, for example, that credit card costs and the merchant fees associated with them for small- and medium-size businesses are detrimental in some instances. We've heard through other studies that the credit card merchant fees are affecting how they can move forward.
Are there costs associated with using Google Wallet, because I'm sure Google isn't getting into Google Wallet to...? Even though you're darn good corporate citizens, you still have to make a profit. We get that.
Are there costs there, and are those costs going to be passed on to the consumer or the retailer?