Quickly then, let me just go back to one of the changes we did make, this minimum 21-day interest-free grace period.
Ms. Hughes Anthony, you had suggested that some of these changes that we've already put in place are quite costly, but let's look at the other side. What is the benefit of this 21-day grace period to consumers?
In our consultations we heard that this was a particular issue with many customers—constituents of ours. What benefit has that been to them?