I don't want to offer any conjecture on this point.
What I see, though, and I've mentioned this point before, and my inference from it is that through the reduction in demand on BDC for online financing loans and working capital loans, the clients are getting their needs met largely through the government programs that have been put in place around wages, around rent, around CEBA and so on.
I don't want to speak personally, because you've asked the question about what BDC knows. We haven't actually surveyed this question directly per se, but by inference, through the reduced demands on us, our assumption is that the needs, at least right now, are being met and have been met through these programs.