All right. So you influence three key issues.
Going back to the first, the outstanding interest rate on credit card balances, many years ago I chaired a committee that had a look into this, and nothing has really changed.
That doesn't really warm a parliamentarian's heart, does it, Joe.
We have the same situation today. Actually, we have a spread between the prime rate and outstanding interest rates...or credit card balances' outstanding amounts that actually exceed what we've seen in the past.
Is there any hope for consumers that anyone can do anything about narrowing that spread? Can you?