We've maintained a fixed rate more than keeping it variable. Obviously, a lower rate is better than a higher rate of 35%.
We are encouraged by the fact that the federal government is moving toward lowering it. We did see further consultation to further lower the criminal interest rate from 35%—once it is 35%—to whatever level. We are happy this is going further. It's hard to predict how....
We saw the interest rates changing fast, so some level of fixed rate or predictability is probably better at this point. We do agree that a lower interest rate is definitely something we'd prefer.