I think we deal with that by pointing out that banks do not and have not charged for issuing bills, credit card bills, or statements that show a balance owing. We haven't done that. We had entered into....
Given that it was a current issue, we have cemented that practice in a commitment, which is overseen, by the way, by the federal government's Financial Consumer Agency of Canada. Any commitment we enter into is overseen, and they report on progress.
So that comes into effect—