I was talking about the regulatory system. We were saying that we're proud of the banking system and the fact that it's stable, unlike many other systems.
That brings me to the credit card issue.
How is it that, rather than regulate interchange fees, the Minister of Finance adopted regulations, threatened the companies and promised punishment if they didn't reach a voluntary agreement before a certain date?
The companies ultimately came to a kind of temporary agreement, which will expire in 2025. The situation regarding voluntary codes of conduct is the same.
Mr. Hannah, how is it that, when you talk about the industry, you claim to be proud that it's regulated, but that we sense no enthusiasm on your part when the time comes to make new regulations?