Thank you very much.
I'm going to move on. I know some of my colleagues also have some questions for those of you who weren't with us last night, so I want to leave them the opportunity to come back to you.
Ms. Kothawala, I want to talk a bit about credit cards, which is a topic that always bubbles back up every few years. I know for your members it's probably an ongoing issue, but it always gets brought to the fore. You made a couple of comments, and I just want to unpack them a bit. You said that 42% of the revenue of your members actually goes to taxes that they then remit to government? Did I get that right?