It's important to remember that....
I am sorry, but I am going to have to answer in English.
It's important to remember, when you look at household debt, that the majority of that debt is mortgages. Credit cards are really only about 5% or 6%. Auto loans are growing, but I think that was probably a function of the demand for auto being suppressed over the recession, and we're probably seeing people just trying to fulfill that demand.
It's important to recognize, for instance, that the industry itself has been taking steps for greater disclosure, for clarity. The government has put in additional rules for clarity, for instance, on credit cards, making sure people know exactly what they're getting into. I think all of these are very, very useful steps.
Financial literacy, quite frankly, is an important part too. We play a large role in financial literacy. We know that the government and other parts of the community are emphasizing the importance of having well-informed consumers.
There's no one magic solution, but I perceive a lot of focus on this across the board these days.