Source: UNION at September. Down 15 bps past 12 months.

Source: UNION at September. Experienced a small jump when Covid-19 was at its worst, but has quickly recovered.

Source: UNION as of second quarter 2021. Unchanged past six months. Expected to rise to 7.5 per cent in 2021, before declining from 2022.

Source: UNION at September. Transaction volume so far this year.