We do in part. There are parts of what I think you're describing that belong to the financial institution, the banks and the credit unions that issue the credit. You're correct. I think they would be more appropriate to answer those questions, because they know those customers and products. We don't at Visa.
We do track spending in the economy between what we talk about as discretionary and non-discretionary spend. Those elements that a family really needs to buy no matter what, versus a discretion, which might be a vacation, trip or durable goods. We've certainly seen a decline in those discretionary areas of spend over the last 12 or more months. Non-discretionary spend has continued to be stable.