My next question is for Ms. Jhamb.
Ms. Jhamb, I have a press release from the Ontario Association of Chiefs of Police and the Canadian Lenders Association. One of the quotes in this press release with regard to the legislation that we're proposing says:
Under the legislation, illegal predatory lenders could take advantage of Canadians by operating online from outside the bounds of Canadian jurisdiction. By forcing legal, responsible lenders out of the marketplace, we worry Canadians will be targeted by this type of criminal activity.
It seems like there is a concern out there that these changes might increase criminal activity and might actually push people like Ms. Borden to other options that might be worse. I wouldn't mind if you could comment on that, please.