I could suggest that overall you would have a much better answer than we would, because you are the ones who are lobbied. You could pose a question, for example, to your committee colleague Mr. McCallum, who expressed concern about credit card interest rates several years ago, when he was junior minister of finance, but then there was no action by the government subsequently.
To paraphrase Joseph Conrad, between the thought and the action lie lobbyists in the shadow. When I was saying 100 to one is how far we're outmatched as citizen lobbyists, that's just counting the bank lobbyists, not the insurance company and trust company lobbyists, and not counting what happens at the provincial level as well.