It's a fundamental measure that you guys are all judged on. It hasn't changed in the history of the banks.
I won't ask you to divulge the profit that you make or the profit margin. I get that you want to be secretive of that on credit cards. You each run your credit card divisions.
What's the return on equity, the profit per shareholder, the return on equity percentage you make on your credit card business?
This is for the Bank of Montreal.