That doesn't answer any of the questions on that.
I'll move to the Royal Bank of Canada.
More data on income received from the banks has come in. Why is it that rates still don't reflect anything with the Bank of Canada for credit cards? Why do you guys put a 20% interest rate on customers? If I walked into a bank anywhere and they said, “Do you want 20%...?” People aren't snapping that up. They're taking it because they have to. Who's asking for this 20% in your customer base?