Actually, we have been conducting research on those commercial practices. The report will be out soon, so I will be glad to share the report with all the members.
For instance, we can take the example of the minimum payment. The amount of the minimum payment has changed from time to time. Ten years ago, it was 5% of your balance. Now it's 2%. If a person is paying only his minimum payment every month, it will increase the amount of interest that he will pay to the lender, to the credit card owner. This is one thing that we may want to regulate or have a framework on. This is one example.