Source: UNION at May. Down 35 bps past 12 months.

Source: UNION at May. Down 15 bps since February 2020. Experienced a small jump when Covid-19 was at its worst, but has quickly recovered.

Source: UNION as of first quarter 2021. Up 0.3 percentage points over the past six months. Expected to rise to 7.5 per cent in 2021, before declining from 2022.

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