I don't know, Mr. Chairman. I hate to tell the honourable member, but actually, when I sat on this committee 30 years ago, we did a very similar thing.
There are more choices out there. There is a shift to respond sometimes to drive down a lower rate of interest. There are competitive choices; check out the site we've created on what people can check out.
Can we do something about that spread? There's hardly a market economy that's been able to come to terms with that, frankly; I'm just answering your question.