Okay. I think the figure is generally about 57%. A usurious loan could be 57% and criminally sanctioned, but we could say that a payday loan is 100% and not criminally sanctioned. I don't quite understand where the equity would be in that kind of a scheme.
The second question has to do with the fact that you're effectively asking for one province to be exempted from the application of the Criminal Code. The Criminal Code is a universal statute. How can you do that?