First, for the members, there is a study by the Kansas City Fed that is updated every year. It's done by an economist by the name of Fumiko Hayashi, who is really well known in this space. She also worked with the Bank of Canada before on some studies. It actually does indicate, for a significant selection of countries, what their rates are. There are, indeed, some that are higher than Canada's, but for the bulk of them, they are lower, of course—significantly lower.
I'm going to go out on a bit of a limb if I have time. The reality is that where they've been lowered, they've been lowered by public authorities, let's say, like the Reserve Bank of Australia, which is obviously a central bank, and like the European Commission, which is a competition authority.
The settings where they've struggled to get lower rates tend to be in milieus where parliamentarians and legislatures of various kinds are the ones making the decision. Although, not invariably, in places like Israel and so forth, legislatures have stepped in. For the most part, legislatures lend themselves to some pretty assertive lobbying for those who have a significant interest in this space, and in consequence, it's usually where somebody is taking a more—