That's fair enough. It's fine. The information I'm getting is that Canadians are significantly up.
I guess one of the reasons I'm asking this is that I'd like to know specifically if you have noticed any difference in behaviour with regard to the credit cards you're using—and maybe I'll go across the back to get everybody involved here—since the pandemic? Is business up or down since the pandemic, with regard to usage, behaviours and the model of people who are going to default, not going to default or going to pay it off? What has changed over the last number of years, if anything?