It's essentially two things. One is that there's definitely more debt out there, and that has been steadily rising for a number of years. We have seen some very good investments, such as the Canada student grants program, to continue the grants that are out there for students. But debt is rising.
We're also seeing that a number of students are in fact taking loans from the government, and the number of those who are defaulting on those loans is going down. It's still around 16%, which is a large number, but there has been some decrease over the last few years.