We would certainly be able to share our data. I think the data almost speaks for itself in terms of the usage, and then the increased usage on a repeat filing basis. I have looked at some other countries that have tried to find solutions to this problem. I think the number one thing that strikes me—again, it's not my mandate, so this is personally, as somebody who cares about indebted Canadians—is that you need to replace it with something. There is a need for access to funds that can't just be taken away.
I think recent reports from subprime lenders suggest that they are not seeing defalcations right now, either. I think the majority of people who do take out those loans do manage to repay them, but as I think you heard from the FCAC, the cumulative interest rates, fees and charges can be significant. Our registrar on bankruptcy in Toronto commented that in one case it amounted to 700%, I believe.