There are a couple of issues we've dealt with.
We have worked with the industry over the last two years to ensure that any consumer who is bound by a credit agreement is provided with equal disclosure in terms of any costs or fees and any changes to the terms and conditions of that loan. The industry practice had been that they would only provide disclosure to the primary borrower, which left secondary borrowers in the lurch in terms of knowing what was happening to the loan. That involved significant discussions with the industry, significant changes to their systems to be able to provide each person who's bound to the credit agreement equal access to disclosure requirements.
Another aspect we've dealt with deals with the marketing of credit cards, where there was a practice that the industry was starting to advertise credit cards with rates “as low as”. The consumer would be expected to think they could get the rate “as low as”, when in fact the majority don't get that rate. Again, it was a practice that was starting to permeate in the credit card business, and we worked with the industry to eliminate that type of practice in the marketplace.