I would largely agree with that. We've seen that mortgage payment shock, as we'll call it, has impacted consumers. We haven't seen, necessarily, delinquencies on the mortgages, but we've seen higher delinquency rates on other products that those mortgage holders own.
Also, I would say that we are seeing compressed.... When we look at our payment data, we do see compressed the ratio of how much payment over the minimum payment a lot of consumers are making.