In the course of just normal credit analysis, the more alternative views you take into risk, the more insights you reveal. For example, I know of a retailer who entered the banking business. They found out that certain trends in spending were very good predictors of the creditworthiness of customers. For example, people who buy felt tips for the bottoms of their chairs tend to be better credit risks. That's what the data shows.
In terms of that type of insight, we're not there yet, but it's not unusual for that to emerge when you take a different view into risk.