Thank you for the question. There are a lot of very good points in there.
On the rates, again, our focus under the act would be looking at any evidence or any allegations that those are higher or more consistent because there is anti-competitive behaviour going on or some kind of agreement between competitors.
On disclosure of information and what consumers are seeing, while a lot of that falls more specifically under consumer protection, we are very focused on ensuring that consumers can benefit from accurate information. My colleague spoke briefly about the false or misleading information provisions in the Competition Act. If there is any suggestion that consumers are being misled in their decisions, that could be something we would look at as well under the act.
You bring up a very good point about the loyalty programs. That type of stickiness or barrier to switching is very much something that is relevant in a number of our investigations when we're trying to determine harm that might flow from bad conduct.