Professor Charlebois, we're seeing some very disturbing things around millennials.
Actually, maybe this is more appropriate for Ms. Lang.
In the credit card debt issues that we're seeing, according to a poll of Harris, millennials and generation X are the ones who are seeing the highest increase in stress—financial stress—and credit card debt. These are rising faster for them than for others, presumably because of mortgages and the increasing cost of mortgages and rent.
Have you yourself seen any particular trends around those issues that are reflected in the Harris poll about the connection with regard to age, demographics, mortgages and credit card debt?