I appreciate that. That's my point too. We can tinker all we want with those things, but we need something bigger and bolder.
I'll turn quickly, with the last of my time, to the Competition Bureau. I did use your website to look at some of the credit cards and the rates. One interesting thing that pops up there is that 9.9% is the lowest you can get, but you have to pay $400 in annual fee to get it. That basically takes away 95% of my constituents from that.
There are numbers that I get stuck on—12.99% and 20.9% and 19.9%. Is there anything you can do to...? It really is up to Parliament to decide how the Competition Bureau can do what it wants to do, and the tribunal and what it does. That's legislated by law. That's our responsibility, not the tribunal's and not the Competition Bureau's. But within that framework, when we have capsulized things that are consistent—it's the same as some other industries—is there not some value in there?
Lastly, how do you deal with all these other things—grocery card credits, Air Miles and so forth—that also make it difficult for people to move around in competition? If they are stuck within a system and they lose all those points, then that's a practice of abuse in many respects too, in the sense that it's the value.... Retailers, unlike the people we had in front of us, are actually often paying for those things that you get on the benefits of the card. But that's a side point.
How do you deal with that issue?