We're very concerned about that. We're doing work on it right now. It seems like initially, from the consumer perspective, an attractive thing. You want to buy a big item, and you get this immediate credit where you can pay it off in, say, four installments. It looks attractive, and you don't accumulate interest, but God help you if you miss a payment.
It seems almost like they're structured in many cases to encourage people to take on more debt than they should and then default, and then end up being charged very high penalty rates for not paying on time.
This is something that we are very concerned about, because it seems to be growing very quickly. It's not just the banks that are doing this kind of stuff, but lots of retailers—Amazon. You'll see many offers of this “buy now, pay later” kind of opportunity. It looks superficially like a good deal, but it's very easy to end up paying more than you think if you can't maintain the payment schedule right on time. If you fall in arrears, it can cost you significant sums of money.