 We did find that 15% pay with a credit card that they don't pay off by the due date. So that means interest is accruing. And then 9% use buy now, pay later services, which basically means you're breaking up your payment into installments. And so there are a lot of things to think about in terms of your budget whenever you're taking on that extra debt. It seems like spending has ramped up this year. What has exacerbated this added spending?