We believe that this is really a false claim. Like I said, when we were pushing to lower the fee for payday loans, it was the same argument—that people will be forced to go to loan sharks and that this industry will cease to exist—but none of that happened. The payday lending industry continues to exist.
What really pushes people into crime is poverty, not these fringe lenders. We don't want these predatory lenders to take advantage of people who are already in a vulnerable situation, and that's exactly what's happening today.
The lowering of criminal interest rates will really help reduce harm, as we've been saying. It's a positive step, and we really support this move. We don't think that it's going to lead to an increase in criminal activity.
Donna wants to say something.