Thank you, Mr. Chair.
From the perspective of your 20% interest rate credit card customers, I'll ask this of all the banks.
Is there a point in time, maybe after a couple months of witnessing one of your customers struggling to pay the balance of their credit card, when you would reach out to that individual to find out if there is a problem and offer them a lower percentage card proactively so you could get your customer into a better situation and out of debt?
I'll start with the Bank of Montreal.