I'll start with the latest comment. Our work on credit card issues has to do not with the cost of credit on credit cards, but with respect to transaction costs--what the business has to pay to accept cardholder payment for their goods and services. That's really the focus of our work on that area.
What we're tracking is the interest rate you're paying on your largest loan or line of credit, and we're noticing a slight uptick in the cost of credit. We think the average loan amount is around two and three-quarter points above prime. Thirteen per cent of our members are paying six points above prime or more.