 Yes, it's pretty shocking, first of all, how pervasive buying beauty products is. So whether we're talking about products, services, procedures, about 75% of Americans say they make these beauty-related purchases. And while most people use cash, 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.