I expected as much.
I can tell you, when I worked at a major bank, it was 52%. It wasn't 10% for the overall bank. It was 52% that was a credit card return on equity internally, so this line that you're not making any money at a 1.6% credit card loss rate, according to the Canadian Bankers Association, relative to, say, 100 basis points generally for your lending, is a fantasy. That difference between all of you, between a 1.6% credit card loss and charging 21% interest on the credit card, is a monstrous profit decision, and it isn't a few bells and whistles on buying points from Air Canada's Aeroplan or Avion
I will move to TD.
Can you tell me about your regulatory failing in the U.S. on money laundering? Was that a result of the regulator or a result that you guys do the bare minimum in money laundering? You don't absolutely say, “I'm going to stop this no matter what.” Is that correct?