We don't believe that there should be any exemptions. In fact, there was a consultation recently about making bond loans an exemption, and we believe that even bond loans equivalent to less than $1,500 shouldn't be an exemption because bond loans are also equally predatory.
Regarding the payday loan specifically, there was a specific exemption carved out for payday loans, and that's when the whole regulation of payday loans moved to the provinces. That's really led to this whole differential interest rate that we see across different provinces and territories, and it's very high. It's 400% to 500% APR, for payday loans. Yes, we do believe that payday loans should come back under the ambit of the Criminal Code of Canada.