Anecdotally I hear that a lot, not just from young people, but from their parents and grandparents, who are concerned about them not being able to get a start.
Ms. Josephs, you mentioned this as well. Is it something that you see affecting young entrepreneurs? Do you see more people starting further behind and not being able to start businesses because of this wage scarring? What is the aspect that you see in the young people you deal with?