It's 3.9%.
This gives me the opportunity to point out as well that, at the outset, we do everything we can to help a business. When it isn't working well, we aren't going to let it go. We're going to try to give it some services, coaching or connect it with another organization, such as a non-profit organization, for instance, that can help and support it in its activities. Our goal is to help businesses as long as possible.