I have little time, so really quickly, what would be your opinion, Mr. Dorey, then, about...? Should there be an interest rate difference for discretionary and non-discretionary purchases? We know what's changed for Canadians is their debt level and the vehicle they use for payment. Credit cards and the pandemic shifted them. An out-of-market decision made them switch to a cashless society.
Do you think it's fair to have discretionary and non-discretionary interest rates at the same rate?