I was taught from a very young age that there's nothing in life that comes for free. I very much appreciate your point that we have been enticed into thinking there are these added benefits and points to spending money. Thank you for that.
I want to go to you, Mr. Abou Daya, for your comments and reactions to what Mr. Jenkin said. Hopefully, you were following along and could hear all of those great comments. Do you want to add anything? Also, if you want to highlight any unfair practices that you've seen, I would love to hear that as well.