We know that credit cards charge anywhere between 20% and 22%, so a lower interest rate is definitely better than.... We know that even 35% is huge; it's not still a fair credit.
For us at ACORN, we've been saying 30%. We know that there was a proposal by Senator Pierrette Ringuette, who was asking for 20%-plus the Bank of Canada prime rate. We know that a lower interest rate will help consumers.