There's one thing I do want to get on the record as well. One of the things that I think could really help those folks who are at least in a position to review their financial position.... Some people aren't in that position, and I think we should acknowledge that. If you have no money to eat, no matter how much disclosure you have, you're not going to make the right decision. That's just the reality of it.
However, for those folks who are in that position where they can make a decision, don't you think that open banking and the ability to switch between financial institutions...and with that...? I think you've talked about transparency and being able to choose from a multitude of vendors so that you can get a better rate. More competition would also be helpful.