We completely agree with Elizabeth. They're making huge profits. Making just a little less profit will not harm this industry at all.
In our survey that we did last year, which actually focused on fair credit alternatives, we saw that a lot of credit unions are providing payday loan alternatives. Obviously, the scale is limited, but at least there is that space available. Desjardins is providing such an alternative nationally, not just in Quebec or Ontario. It's available nationally.
You mentioned Canada Post MyMoney. It was a decent product. Unfortunately, it got discontinued after a while, but it was a good product. We need to focus energy on providing fair credit alternatives rather than maintaining this industry, which is just not the solution for low- and moderate-income people in our country to access fair credit.