I can ask you the next question as well.
You were saying that right now it's not the consumers who decide, but the lenders who decide. How is giving more choices going to help consumers? It would still be the lenders. I guess it's a two- or three-pronged question. How can we be assured that the lender doesn't pocket the savings, if there are going to be any savings? Will the lender have more than one supplier?
Perhaps you can answer that quickly, and then I'll ask Mr. Charles the question.