I appreciate that. I think I have about a minute left.
Ms. Mulholland, I'll ask you this last question, if I could. We have about 60 seconds. You've spoken to this a little bit, but I think we're all aware of the Canadian Lenders Association's claims that lowering the criminal rate of interest will lead to limited access to credit for lower-income Canadians.
I want to make sure we get you on the record. What is your view about that claim?