Fair enough. However, I would just compare our local credit unions, Vancity and Community Savings, which reduced their interest rates to zero on lines of credit and credit cards because people are so desperate that they are having to borrow just to make ends meet and get through the month. The banks, as you know, have not done that.
I understand your point. The point back from individuals and businesses is that, ultimately, the banking sector is going to reap windfall profits from this crisis. It is already starting to. At the same time, it is not passing on all the largesse that it has received in the last few months to small businesses and to consumers.
I'll pass the microphone back to you, Mr. Chair.