Madam Speaker, the member's speech was very diverse, there is no doubt about it. I think it is the first time someone has read a word cloud in the chamber. The question I want to ask him is related to credit cards and interest rates, and to find out where the Conservatives are with regard to the modest improvements mentioned in the budget to treat small businesses more fairly with interest charges and service fees. That is one issue, or part of it, but there is no doubt that credit card rates and borrowing rates, in a range of 11% to 19% on average, are excessive.
Would the member support a regulatory approach to bringing down credit card rates, even in the interim, as the rates are disproportionate to the benefits of borrowing and of the—