Essentially it's cash flow issues affecting households. When you go to a grocery store, you tend to use whatever means you can, because you need to buy food. It's a necessity of life.
One of the reasons that I think this particular problem is only going to get worse is that the battleground for all grocers right now is loyalty. Because of inflation, people have now grown their portfolio of stores where they buy food. They'll go to dollar stores. They'll go to Giant Tiger. Grocers, the main chains, are fighting. They're trying to get people back into their stores, and the best way to do that is by amplifying loyalty programs through credit. If you use cards, you can get points. That's why I think that combination of loyalty and credit is going to be quite lethal for many, many consumers.