Thanks to all of you for appearing before this committee on a very important bill. I want to follow up on Mr. Adler's question.
Mr. Rudin, maybe you could answer this question for me. I think what he was trying to say was that the suggestion was made at the last election that credit cards should be capped at 5%. I want to get your opinion—and anybody else who wants to can jump in on this too—as to whether that would curb public spending in general. Or would it possibly exacerbate the problem if consumers suddenly were presented with a much lower interest rate whereby they would use the card even more?