Do I have two minutes?
I have two and a half. I'll take that extra 30 seconds. Thank you very much.
I want to talk a little bit about banking.
You mentioned under-regulated or unregulated markets. I want to speak specifically about the payday loan market and the impact it's having on the community.
You would know, of course, that section 347 of the Criminal Code ranks 60% interest as usury. Is that correct?