We haven't specifically. Obviously, we don't have the numbers to cite, but as I said in my initial remarks, we did a survey back in 2023 of 623 of our community contacts. A lot of our members resort to payday loans and instalment loans, which are high-cost loans. This is exactly why we want the interest rate to be lowered. In the absence of fair credit alternatives, people don't have a choice but to resort to these kinds of loans.
Definitely, as the cost of living increases and we don't have fair credit alternatives, these loans become more and more popular.