Thank you, Mr. Chair.
I was just going to make exactly that point. Despite the fact that Mr. Dewar thinks the paperwork will be onerous, I would submit that it absolutely will be when this bill passes.
This is a floor, it's not a ceiling, so you may well have people who have rates that are at this floor. You've established it at prime plus 1%. There may well be people who are getting prime plus 3%. That reporting mechanism is going to kick into place anyway, because everybody will not have the same rate of return.
I see very little advantage in establishing the floor.