As I said earlier, it is a complex business model, and it would be simplifying it too greatly by just taking a particular interest rate and saying, “Why not?” As I said, the benefits to customers are varied. The choice given to them is varied, and the costs associated with those choices are varied. There will have to be differential interest rates and differential costs in the marketplace, which we provide. There's a choice to the customer and the value and the convenience that we provide that fits that choice and its purpose.
On October 28th, 2024. See this statement in context.