I would say that as an issuer of credit cards, we're focused on designing products as a whole that resonate with our Canadian customers in meeting their needs and expectations. We have a wide variety of cards that are available, cards that have low rates, cards that have no fees, cards that have low fees, cards that are robust with benefits and rewards. We have a very diverse portfolio roster of up to 15 different card products.
We want all of our customers using products that they feel are right for them. That's what we work towards doing, making sure that our customers are sitting on the right products.