I think mortgages, of course, are secured credit and certainly have a more competitive environment, but credit cards have a tendency to attract people where it's a last resort in terms of how they get funds and money to pay for the rent or food, etc. If there's a captured market in a number of people, then the only growth is going to be the amount of exposure that you have with each customer.
I understand that fintechs are innovating in credit-scoring models. What impact does that have on the credit card access to underserved populations? That's where our concern, or at least my concern, is.