I appreciate that.
I'll move on really quickly. I know I'm running out of time.
It would seem to me that your data coming in would already be skewed by the fact that consumers are skewed out there by their percentages.
To be really quick, do you identify each payment date that's required for consumers on different credit cards? One of the things that I'm considering is a universal payment date to end some of the confusion in financial literacy, where there could be a universal payment date that could be made and regulated for paying any credit, like a mortgage or a credit card.