Suppose regulators cap credit card APRs at 10%. Our portfolio is $8 billion: $6 billion prime with a 2% loss rate and $2 billion subprime with a 9% loss rate. Everyone is at 22% APR today, with a 4% cost of funds and 3% operating cost. How would you assess the impact, and how should the business respond?

假设监管规定信用卡APR不能超过10%。我们的组合余额80亿美元：优质客户60亿，损失率2%；次级客户20亿，损失率9%。现在APR都是22%，资金成本4%，运营成本3%。你怎么评估影响？业务上怎么调整？