Thank you for that question. It's a good one.
One of the important concerns is that we don't cause discrimination against Canadian consumers because of potential past difficulties they've had financially. That's why there are a number of consumer protections in place that dictate the maximum period of time that negative information, such as a previous bankruptcy, items in collection and so on, can remain on somebody's credit report. I would be concerned to enable a situation where a consumer could be judged by a potential future lender based on the use of a particular lender in the past.
The current credit-scoring model is actually a predictive analytic of the likelihood that a consumer will pay their bills on time. That is based on the actual actions, with emphasis on the recent actions, of a given consumer going into creating that ultimate outcome of the three-digit credit score.