I'm just going by stuff that's come in that is basically available to the public like Equifax and other types of surveys that are out there. What has shown that the business model doesn't need to change for the rest of the banks, the borrowing rate and so forth?
The use is up. What benefit did consumers get with the usage going up? Obviously, that requires an adjustment of business plan in terms of accessibility and all those things that Mr. Dorey mentioned. They changed some of their practices.
What did the customer get out of the benefit? I didn't see interest rates go down. I took on a public campaign to reduce credit card interest rates—you're probably familiar with that—at the start of the pandemic. What changed in terms of percentage with regard to borrowing rates and so forth for consumers?