On those choices, do you have any public data or information about who your 20% customers are and who maybe your 9% customers are or the ones who pay a fee? I know some of those cards that you offer require payments or other types of compromises by the consumer or have an income level that's higher. Do you have a model or do you have data about who has what credit cards from TD Bank, for example?
On October 28th, 2024. See this statement in context.