We would have to get Equifax to break down some of these numbers. We'll have to look at doing that.
Equifax is talking about the rates going up with regard to Canadians having to pay for goods and services that are more urgent. Their buying habits have changed.
Mr. Dorey—I'll go across—have you noticed with your customers the purchasing decisions that Canadians have made? That's part of the reason we're doing this study. If they're using the credit card more, and the evidence coming in is that they're paying higher rates of return and so forth, they're more vulnerable. Do you do some analysis in terms of how that affects your customers?