Mr. Speaker, I think obviously it is important that people are able to have a fair interest rate. Ironically, we may be living in the lowest interest rate moment in world history. I know recently, in Canada, five-year mortgages have dropped to historic lows of 2.99%, although perhaps I will move to another realm, which I think the member was probably asking about, in relation to credit card fees.
As I said earlier in a previous answer, I believe these companies that are engaging in offering credit sometimes to people who do not have excellent credit ratings should be able to earn a living off of that. It is up the consumer, I think, provided the information is provided, to choose whether or not to take part in that type of credit facility.