Thank you, Mr. Chairman. I don't think I'll be using all seven minutes.
I want to start by asking Monsieur Hébert-Daly a quick question.
Did I understand you to say that you're not worried about setting a maximum interest rate for anybody, but you'd want to make sure that the minimum...? I'm trying to figure out what you said. I see you shaking your head, which means I think I may have misinterpreted you. Your concern is that no one be allowed to find an interest rate below prime plus one.