<prompt> Translate the following text to EnglishKuna uchunguzi mwingine ambao unaweza kufanywa kulingana na takwimu za kiasi cha bili za kaya zilizoripotiwa katika Jedwali la 3, ingawa malipo na bili zinaonekana kuathiriwa na kugeuzwa kutoka kwa malipo ya posta hadi njia nyingine za malipo, athari ya kugeuzwa ni dhahiri zaidi kwa barua ya malipo.  <response>: There is another observation that can be made based on household billpayment volume figures reported in Table 3. Although both payments and bills seem to have been affected by the diversion from payment by mail to other methods of payment, the effect of diversion is more pronounced on payment mail. 