Thank you for the study, Mr. Masse.
It's like gaming. It's a necessity, but it's an addictive necessity, and that's the problem. You can provide pages upon pages of information to consumers, but if they're desperate, they will still take on debt.
Something that happens in Quebec now as part of the disclosure is that consumers are educated about how long it will take them to pay off their minimum payment. It's often a surprising amount, but when they're desperate, consumers are going to take the debt on.
None of the lenders appear to have a full picture of what the total debt load of the consumer is, and that goes to the notion that each issuing entity ought to know its client and whether or not an individual or household can sustain an additional level of debt. It's an interesting, novel idea that this should be funded.
I'm going to pass it over to Ms. Alshahwany, but the hard work you're alluding to is really the interest rates. It is telecom-like. There is work to do to have more competition, but right now the competition is all going upward and abusing consumers.