Do you know what? I'm not sure I can answer that question pertaining to the impact on Quebec. I would be happy, Mr. Chairperson, to hold off on any further discussion on this until I've pursued any impact that this motion may have on the province of Quebec. I'll try to bring it back for Wednesday, if that's suitable.
Clearly, there is a unique situation vis-à-vis the Consumer Protection Act in Quebec, which does have a lower rate of interest than the federal one and which has led to a certain scheme at that level.
If you're willing, we could put this on hold until I get more information.