First, thank you very much for your kind words. I truly appreciate those.
We do ask for the reason for insolvency. I will say with a bit of a caveat, however, that our forms are not perfect. That is an open text field, so I have some very talented people in my office who have to weed through that and pull the data as best they can. Form updates are something that we do want to work on to improve our data. I can tell you that in 2019, 69% of consumer insolvencies were due to what they called “financial mismanagement”, 37% were due to loss of income, 23% for medical reasons, 15% due to a relationship breakdown and 7% from a business failure. In that case, it would be somebody who filed a consumer insolvency but listed at least 50% or more of their debts relating to a business.