Thank you, Mr. Chair. Thank you, Mr. Garon.
Quickly, Mr. Stanford, is there a change in borrowing practices for Canadians and their purchasing?
If they are having to move to the highest rates of borrowing—not lines of credit, mortgages or even car loans, which are lower, but moving those issues to credit cards—isn't there an obligation for government to regulate some of those rates or at least consider the consequences for consumers as they move those payments to methods that might have higher rates for them to borrow at?