We look at all those factors. With respect to bankruptcies, they have been very low for the last two years. If you look at things like credit card delinquencies, they have been very low. Those things are moving back up to more normal levels, so that's something we're keeping an eye on, but they are not above normal levels. They are just getting back.
I don't know if the senior deputy wants to say a few words about the proportion of fixed versus variable.