Thank you.
I'd like to ask our online witness a question on bankruptcy.
In your opening, you mentioned, Ms. Lang, that the extension of credit is the number one reason cited in a lot of insolvency. One of the things that we've questioned the banking and other witnesses here for the credit card study about is that they provide other options if people get overextended on their credit card debt. Usually that means transferring them to a line of credit. When some of us have pushed and asked what they do with the credit card, obviously they don't eliminate the credit card. When you see these bankruptcies, do you see a combination of growing personal line-of-credit debt combined with growing credit card debt?