Okay. There we go.
Thank you. I appreciate that.
The reason I'm saying that is when you compare all of the different cards that everybody offers, it's all the exact same. The differences between each and every single card that's out there is basically nothing. The only difference that is going to come down to a consumer is who they are already doing their day-to-day banking with, and that's generally who people are going to get their cards from. Sometimes people will go to a different institution, but it simplifies making your payments if you're at the same bank.
Really, at the end of the day, I've heard a lot of you talk about the different choices and the great options that are out there, but it's all the exact same. There is no real incentive to choose among all the different cards. The competition is actually quite false. There are five of you here today, but there is no competition. What is preventing one of you from saying your travel card is going to be—pick a number—12%? Is there anybody?
Let's go back to RBC.