All right, but there's a final point I want to make.
The current system lets people get into debt too easily, by too much and too fast. While indebted and potentially financially failing consumers are not in credit card issuers’ interests, it's also clear that the substantial profit margins on carried balances and the high interest rates involved are a lucrative income source for financial institutions.
We've made two broad recommendations. One is to consult. We think a consultation is necessary nationally on consumer protection on credit cards as payment mechanisms and as debt mechanisms. We think the banks need to be made more accountable for their responsibility for and duty of care to consumers who are running into problems with credit cards as a credit instrument.
That wraps it up, I think.