Disclosure is so important; people need to know this. It's part of the larger picture of financial literacy as well. Those unsolicited credit card cheques are something that many people don't understand.
There is moving to protect consumers on pre-paid cards as well. I mentioned earlier that we're putting in place a financial literacy leader to try to explain some of these issues that people can be caught by. There's now a requirement that banks have a calculator on their website so that you can calculate what your prepayment charge would be on a mortgage. It's simple information that people don't know. That was part of the announcement this weekend, making sure that pre-payment penalties were made clear to people before they took on a mortgage, and the fact that a toll-free number is now required, which mortgage holders can call.