Thank you, Mr. Chairman. Thank you to the witnesses for appearing. A very interesting panel.
I'll start off with Ms. Menke, from the Financial Consumer Agency.
You mentioned that credit cards are supposed to be a method of payment, not necessarily a method of credit. Since we're studying the credit availability and we know that credit has been tightening up, have you seen a change in attitude towards using credit cards more for credit than for payment in the last little while?