Let me start with your first point.
When I looked at other countries to try to find solutions to subprime lending, I didn't at the time find anybody who had actually solved the problem, so I'll add that caveat.
In terms of interest rates charged, my belief is that our intake forms do not ask that question. We ask the name of the creditor. For payday loans, we can look for certain keywords to determine if they're payday loans, subprime loans, but it's not based on other information, so we wouldn't be able to report on actual interest rates charged in the majority of bankruptcies.