I think it's very important for us to highlight that the buy now, pay later program is for durable goods. We are not tailoring that program for our customers to buy essentials. As a matter of fact, we're even working on new technology to prevent that from happening. We want our customers to be able to have better access by financing and softening the out-of-pocket impact so that they can buy durable goods.
Maybe a microwave went wrong or a refrigerator went wrong, or they want to treat themselves to a new TV. Those are the kinds of high-ticket items where we want to offer the option to our customers to buy now and pay later and have a lesser burden on their out-of-pocket expenses. That's all it is.