No, but I'm surprised that banks don't have this information if they're using credit cards or trying to advocate the use of credit cards. I want to know what has happened with businesses with bad debts. Traditionally businesses write off a certain amount or percentage of bad debt every year. Has that changed? Has it gotten better? Has it gotten worse since the advent of credit cards? How has it changed as credit card usage has increased? I think you should know where I'm going with this.
Also, do you have a breakdown of the credit card profit versus the percentage of profits in your banks, in each individual bank? I'd like to know just how important this part of the business is to your banking. I'd really like to have that answer too.
Finally--and this one might be a little bit tougher--you talked about the 17% interest rate. If people ask for a lower rate, how many of them don't qualify for the lower rate? Can you give me some...?