Thank you for the question.
Some of the advertising I referred to does target our members. They target grocery stores, gasoline, and pharmacies with a variety of incentives. I think we've seen the increase in card usage, upwards of 10%. Within that, we've seen almost half of that being the premium cards. So there is a definite impact. The impact is the one we've been talking about during these committee hearings. There are increased costs and an inability to absorb those costs. If you can't absorb them in a thin-margin business, they get passed along. Even if that person is getting more points, a $2 discount--there's that one ad we're all familiar with--everybody is paying for that. There is no way of escaping the benefits in the cost of the products.