We're looking at multiple things that we have heard in this committee so far.
We look at the credit card companies, for example. All of their interest rates are virtually identical. Sure, there are multiple players in the market, but there's no true competition. If there was, there would be aggressive rate reductions happening.
Why is the Government of Canada's policy not seeking to get that competitive nature restored so that we see a rate reduction and consumers and businesses get a better outcome?