Thank you, Mr. Liepert.
Thank you all for coming. I'm glad that you've had an opportunity to present not just a snapshot of what's happening but the full story.
Just considering the last question, I did appreciate that you had an opportunity to respond to Monsieur Caron's very good question about whether or not this was traditional in terms of the level of consultation of your specific companies by the government.
Mr. Taylor, I'm interested whether you could describe to me—because I'm new to the finance committee—a bit of a profile in terms of the customers who come through your membership stores. I'm trying to figure out whether they carry more or less leverage than more traditional means. Do they have more of a...? You know, can you use a loan-to-income metric, or a debt-ratio metric?
Can you give me a bit of a description, a profile, of your average customer—not your best, not your worst?