Sure. Thank you.
During the pandemic we tried understanding whether there had been an uptake in accessing high-cost credit, and obviously there was an increase. Like we've been saying, it's quite easy. That's their tag line—fast credit, convenient. These lenders were actually deemed essential during the pandemic.
Obviously there's growth in these lenders online, but again, as we are saying, this is not a fair credit alternative. They are equivalent to loan sharks. They are predatory, and we are just very encouraged that the federal government is moving towards lowering the criminal interest rate, because that's really the right way to go.