 Catherine, in your reporting, what did you find out from people that were using their credit cards to pay things like their rent? Are they people that could actually pay the bill off each month? Because the concern one would think is that we're just adding to the debt in our country and personal debt. Definitely. I talked to a couple people who have successfully used credit cards to get points and rewards when paying off major bills. And I think the biggest key is keeping up with your bill payments and knowing that you can pay off your credit card bill when you put...