Thank you, Ms. Robertson. That is very important information, particularly on payday loans. I'm not going to focus on that specifically, and my colleagues have done a great job in helping raise key questions.
I just want confirmation from you that payday loans and matters relating to them, including, most importantly, how they operate, all the way down to the rates of interest, those issues are regulated provincially, first and foremost, and to an extent, depending on the province, at the municipal level through bylaws. Is that correct?