Thank you.
I'm going to have to move to the grocers' association. I have a couple of seconds left. I have two quick questions.
Have you seen a huge increase in these premium cards? I understood that it was only 8%. Some retailers are telling me it's 25% to 30%.
Second, there are 50% more Aeroplan miles given on gas and groceries and in drug stores as per their information in their own leaflets. Are you seeing more people using credit and premium cards at the grocers?