There are a couple of things.
First, maybe I'll help you with some questions that you could ask them if they come here. One, what kind of float are they creating in aggregate when they nail the individual consumer and then they float it for 48 hours on overnights? What are they picking up in cold cash? Because that could add up to a lot of money, if you take their whole marketplace.
Two, maybe they could, like the United States, break out with some clarity what they're making on both mortgage and mortgage insurance and credit cards in terms of non-interest income. That would perhaps be of interest to the committee and to consumers.
Having said that, in terms of our provisions under the cost of borrowing and so on, it gets into a grey zone once it goes into the payment system. I think one of the things that's going to happen for parliamentarians and consumer groups and the banks themselves is what kind of oversight or code of conduct, at minimum, people want to look at when it comes to that whole area of electronic commerce. This one fits into that.
I'll try to get back to you on this particular example, but I have never been clear on why they can't do it in a manner where there's not that gap.