Thank you, Mr. Chair.
Once again, I want to make sure that Mr. Phillips knows that I didn't mean to say he wasn't interested in the measures.
But I do find your statement interesting about our not going far enough, which, of course, I'm going to take under consideration and I intend to look at following this meeting.
I want to complete what the chair was trying to get from the witnesses.
I'll ask Mr. Sommers, and if I ask it in a systematic way, perhaps that might help. It seems Mr. Vinet does not want to answer the questions. But if you would allow me, I'm going to ask you if you think the measures we're taking with regard to new credit cards, where we now have in place a requirement for banks to get consent for credit limit increases, are good.