Thanks for that question.
The trend is generally increasing in terms of credit card usage, credit card balances and the number of credit card accounts that exist. It is also important to remember, though, that there is a population component that contributes to that trend. For example, last year we had very high levels of immigration of newcomers to Canada, many of whom would be starting credit card accounts.
Generally, I would say that, yes, we do see increases in all of those figures.