Thank you for the question.
I don't think the courts are really a factor. As a first step, insolvency cases in Canada are sent electronically to my office. For more serious cases involving the Companies' Creditors Arrangement Act, the process starts off in court. As I said, the courts have been available for serious cases. In my opinion, the other factors I brought up are more important, including creditor conduct and government payments. We'll see what happens when the measures end. I hope that most debtors will be able to get their jobs back. That would keep the situation from getting much worse. We'll have to wait and see what happens.