Exactly. That's exactly the point. We know that they're making a huge profit out of this business. Lowering from 48% APR to 35% APR will still allow them to make enough profit—a decent profit.
You quoted from Easy Financial's annual report. They're saying that they're already lowering the interest rate for some clients from the highest to 33% or 35%, although we haven't seen that happening among ACORN members who have experience with Easy Financial. But if that's happening, they're still making a profit. They're still expanding in Quebec, which already has a 35% interest cap. Why are they concerned?