Given what I just said about the fact that Easy Financial's annual report shows that they've reduced their weighted average interest rate from 46% to less than 33%, they're increasing their presence in Quebec even though they've lowered their interest rate, and Goeasy, Mr. Mullins' company, has done the same, what I'm asking is this: Does this not point to the ability of lenders, like these ones I've just cited, to simply adjust their risk tolerance rather than limit access to credit?
