Let me try, because this is a difficult thing to try to understand.
What happens is that a comparison is drawn between the Bank of Canada rate and the 19%. You go, “Wow, that's much too much.” But what's really driving it in there, and the biggest cost in there, is the cost of credit losses. That is a bigger cost component than in fact the cost of funds to supply the credit.
If you do some rough math, just very quickly, 70% of customers pay the balance every month, 30% don't.