It is one of the issues the committee should be looking at, but I stress that the main issue hurting Canadians is interest rates. It's the layering of debt instruments on top of other debt instruments. We're gorging ourselves at a buffet of credit. That's the problem. I know the criminal interest rate is coming down, but it's still usury, to use Mr. Perkins's term. It's still allowing a lot of crippling penalties. With payday loans, it's $17 per $100, so the answer to your question is yes.
