I will make two brief comments.
The banks fund themselves globally, and they tend to fund themselves on a matching basis. They need so many funds for the short term; they have so many mortgages at five years and so many mortgages at ten years, and they need to match those funds in the global market. So there are no funds actually set aside for which it's said, these are for credit cards.
But I would also point out, Mr. Vincent, that a credit card is only one type of financing. Someone might be better off with a line of credit. They might be better off with a short-term loan. A credit card is not the potential answer for everybody's financing needs. People have the opportunity to shop around for the type of credit card they need, but they might be better off with a line of credit at a totally different interest rate, if they want to hold a balance for some period of time.