I'll say a couple of things. With respect to the cost of credit, one of the tricky aspects of a marketplace framework like insolvency is that we're constantly balancing the interests of all creditors across an insolvency. As you can imagine, for an insolvent firm, it is often the worst time possible to be having to make determinations about how to divvy up assets because there's obviously no going concern for the firm. We're no longer able to allow for that firm to potentially enter out of a CBCA or CCAA process. They are insolvent.
Our statute essentially plays that balancing act of trying to ensure that we can look across the shifts across all creditors. The cost of credit is one issue among many. Super-priorities and deemed trusts that favour some creditors over others in insolvency can have significant negative economic impacts on credit costs, but they also shift losses among creditors. As such, they are exceptional remedies that are usually reserved for compelling policy objectives.
We actually did see, when we increased the overall amount of lost wages that were eligible under insolvency, that there was an actual rise in the cost of credit. There has been some evidence that increasing super-priorities or adding deemed trusts into the system does create additional risk for lenders and has, in some cases, resulted in additional costs to creditors.