Thank you.
Ms. Kothawala, you said that credit card fees in Australia and England, I believe, were between 0.3% and 0.5%, but that in Canada, they ranged from 1% to 4%. Do you know whether the governments in those countries brought in legislation to cap the rates, as opposed to introducing a code of conduct, for example?
I would note that, in Canada, back when Mr. Flaherty was minister, he introduced a voluntary code of conduct.