I'm sorry. I spoke with you for quite some time, but I did not hear that. If you have any ways to manage it, please put it in writing and give it to us. We can look into that.
With my limited time, I want to go to Ms. Jennifer Withington.
Ms. Withington, you did mention—and previously, we also heard from an economist—that with the increase in inflation and interest rates, credit card balances also went up. That's what we have seen.
I'm surprised that you used the words “going forward, elevated interest rates”. We know the interest rates are coming down. Do you have any projection on the impact of lower inflation and lower interest rates? Do you expect the credit card balances of Canadians to go down? Do you have a study or can you make a statement on that?