It would be a policy question, I think, on the solutions for that problem, but certainly you are not wrong that the majority of businesses.... We looked at the birth and death rates of businesses, and it's approximately 3% of corporations that actually file a formal insolvency proceeding. So, you're correct in that.
I do not believe—I would have to verify—that we collect a reason for insolvency in the corporate sense, if that's your second question.