It seems to be, based on what we see from debtor behaviour, that a lot debtors try to do everything they possibly can before they decide to file for an insolvency. We have some excellent and reputable credit counsellors in Canada who are provincially regulated who can sometimes help somebody through budgetary problems and see them out the other side without having to file an insolvency. In some cases, people will just avoid the inevitable and not necessarily in the most healthy way. It's a very stressful situation for people. In some cases, we wish that they would come sooner.
There are tools that we want to put on our website this year to help people to understand, “In which category do I fall? Where should I go for help?”, so that they can go and get that help as quickly as possible.