Okay, so it is 15%. Now, that's a very high rate. I'm an accountant, so I understand that people don't have financial literacy and then they can get in debt, but to charge somebody 15%....
I know you're trying to protect your investment, but would there not be some way of negotiating whereby they probably would not go into that spiral deficit? That's what Canada Post is saying. The employees are coming up with that idea, that maybe they could give better bang for the dollar. What are your thoughts on that?