Thank you.
I would just add that the price change has really been a level shift, so we're seeing those balances rising because of that. As Jennifer said in her opening remarks, we can't really disentangle volume, so with more purchases.... Canada surpassed 40 million people. There are many more people new to credit, so we can't really disentangle that from just pure price change.
I go to the grocery store and I buy all the same things I used to buy, and things cost more. That's the challenge.