Let me take one part of your question. You asked is there a study that shows that credit card use has increased as consumption has increased. There is a study, and that study was quoted in the Visa presentation. It's the Global Insight and Visa Canada study—The Benefits of Electronic Payments in the Canadian Economy.
What that study shows, and it does a statistical analysis, is it looks at what's happened to the growth of credit cards and the growth in the economy. It's not an easy matter, but if the argument is correct that credit cards are more efficient—it takes less cost to make these transactions than other forms—it saves on resources. Before we had anything, we had barter, which was very efficient. People spent all their time in exchange and none of the time in production. If you can spend less time exchanging and buying goods, you have more productive time for producing. The argument is that since credit cards are more efficient in making exchange, they free up resources for production, and output is higher. That's what the Global Insight study shows.
From there, it's an easy step that with higher output, consumption is higher. The biggest factor affecting consumer spending is output and income in the economy. That's where the link is, and that's the study you have to go to.