Mr. Speaker, that gets into my second question here. I think there are two essentials for any law on this. The first is that firm and reasonable controls on the actual amount of additional charges, that can be attached to a loan agreement. So I’m hoping that there will be those

controls as well as the clarity and declaration to the customer.

The Quebec legislation, which is considered the most strong -- and I hope that is being referenced by the folks drafting this bill -- establishes a percentage ceiling that forbids additional charges exceeding a certain percentage of the principal amount.

The second one is clear language, of course, as the Minister has noted, so the borrowers know what they are signing.

So will the Minister confirm and commit that both of those will be in this legislation? Thank you.