I would like to jump in on that one.
Much like Mr. Kitchen said, we offer low-rate cards as well, including as low as single-digit interest rates. Choice is a big issue that the consumers want. Issuers provide anything from single-digit cards up to 19.5%. We've had low-rate cards in the marketplace for a dozen years, and much of our acquisition of new customers is from low-rate cards.
We deal with our customers to meet their individual needs all the time. You mentioned customers who are maybe living a little more hand to mouth, and we counsel them to move to low-rate cards, that is, to our 11.5% card. We will actively move our customers. We will actively put customers on something we call pre-authorized payment to make sure they have paid their bills from their account on a monthly basis to keep their credit bureau record in good standing, and we help the customers and advocate for them on those.
In the case of CIBC as well, whether you're on a low-rate card or a high-rate card, we provide what we call our credit smart features, where you can set your budget and we will send you alerts, so you can be your own money manager, your own smart money manager. If you say, “I don't want to spend more than x amount”, we will send you an alert when you hit that amount. But consumers have a choice, and they need to take accountability for the choices they make.