I don't actually have access to very useful information in that regard. What I can tell you is the information that we get tends to come directly from consumers' contacts with us. You won't be surprised to hear that the big issue that is raised with us by consumers is the rates, and that's of course an area over which I have no say whatsoever.
I cannot speak directly to the issue of whether consumers are actually using their credit cards differently. I can tell you only that as part of our education material we are encouraging them to use the credit cards as a payment method and not as a credit source.