Thank you, Mr. Chair.
Ms. Hughes Anthony, you mentioned in your presentation that approximately 70% of Canadians pay off their credit card balances every month. By contrast, in the U.S. it's only about 50%, and the same in Australia. It's 56% in the U.K. You also mentioned in your materials that the delinquency rate in the U.S. is much higher than in Canada.
Can you tell us how credit card interest rates on Canadian cards compare with those in the U.S., the U.K., and Australia, given those circumstances and facts?