Mr. Speaker, we adjust the rate that we loan money at each 90 days; every three months. It is based on Royal Bank plus two per cent, sir. If there is an existing loan that a client has with us at a particular rate that he or she received in a particular 90-day period, and they want to change that rate because, as the Member says, the rate has gone down, then they must apply to the department to reregister that loan. Thank you, Mr. Speaker.