What I would recommend is if we can get those back...because we're not seeing this. We monitor our top client concerns. Yes, we go to the FCAC and ask them for their concerns. They're not seeing this.
So I think for transparency and communication's sake, get those back to us. We're not saying we are perfect; there could be exceptions. But I would echo the comments here that the general practices are exactly as we said, that most people carrying balances are on low-rate cards.