To clarify, I think what my opening suggested is that the cause of bankruptcy being connected to credit cards is actually a very low percentage; it's under 1% of cases. Note at the same time that this is not perfect data. It's an open text field that's answered by the debtor and completed by the licensed insolvency trustee. The number one cause that we've seen is loss of income. The number two cause is medical reasons.
To answer your question about credit cards, lines of credit and the various types of credit, we would have to go back to our data to see if we can help answer that question. It's a bit complex because these are not closed text fields. However, I could see what I could provide, if you'd like.