I'll say a couple of things.
First off, arrears rates, as I mentioned, continue to be quite low at 1.6%, which is great.
During the pandemic, not surprisingly, there was a big shift to e-commerce—people buying online—obviously because they couldn't shop in store. I think a lot of that has reverted back to the conventional prepandemic retail environment. I think my colleagues at the networks could probably give you a sense of what that looks like.