I feel the same way. I think one of the reasons the economy has dropped relatively less than the worst-case scenario is that Canadians have been continuing to spend.
To the other points we've talked about today, I also want to echo the thanks of my colleagues on the actions taken to help keep Canadians from going into bankruptcy, to help counsel people and to provide information.
However, looking at this issue of payday loans and the high interest rates, I know you don't regulate in this area, but are you in a position to recommend any policy prescriptions for that kind of indebtedness, which I think is shocking to a lot of us on this committee?