I have one more question, and then I'm sure the chair is going to cut me off.
What are the trends that you're seeing in terms of interest rate drops with the central bank's interest rate drops? I know that those don't necessarily affect the cost of the interest on credit card debt, but they certainly impact consumers' ability to make minimum payments on their credit cards or to service that particular debt, especially if they have variable-rate mortgages and they're getting some relief right away with those central bank rate cuts and inflation coming down.
Have you seen that have an impact in the data you collect?