Thank you.
I do want to ask you about credit cards. As you know, there are a lot of options out there for consumers. It used to be really a mark of prestige when you'd have an American Express card, and now it seems like everybody has one. There seem to be a lot of options out there.
Our government has taken a lot of steps to make the credit card sector more transparent and more accountable. I was wondering if you could talk a bit about what our government has done to make the credit card industry more accountable, more transparent, and address helping Canadians understand the variety of options available to them.