We started looking at credit cards well before 2010. We began looking into the matter when the agency was established in 2001.
You are asking me whether or not consumers are complaining. Recently, there have not been as many complaints. There were quite a few in 2008 and 2009, when interest rates had dropped significantly but the credit card rates had remained at the same level. We received many complaints then. Right now we are not receiving any more complaints than usual.
However, more recently, in 2010, there was the issue of the credit card and the debit card which was being promoted, if you like. This was essentially an issue between the suppliers of credit cards and the merchants. We did receive some complaints about these—