There are two pivotal works on this. One was done by the government accounting office in the United States. There was another work by the CRA. We provided copies to members of Parliament, but we will resubmit them to this committee, if you'd like. Both of them show that prices didn't come down but that benefits/rewards did go down. Interest rates went up. Fees went up. And there was reduced competition in the market.
On May 14th, 2009. See this statement in context.