I think it's probably best for me to commit to provide you with that information that you requested, the more granular information and the differentiation among the various banks.
As far as the credit cards are concerned and interest on outstanding balances, again, there are some differences amongst the banks. Some—I would say most—have dropped to half of their normal rates, to just under 11%, but to my knowledge no banks have gone as far as Vancity to zero.
Then, related to your question on payday lending, we have not engaged in any research on potential solutions as you suggest. I don't have anything to offer there.