As I mentioned, the 2019 rates were actually fairly stable, up slightly but still under five per 1,000 Canadians, because our population has grown. On the other hand, of course, we know that the household debt ratio has grown significantly over the past number of years, and that's a very real concern for us. However, you don't see every single person file for an insolvency who might, on paper, need to file for an insolvency. It's a multifactorial decision. One question that will remain is whether Canadians will be able to get their jobs back, whether creditors will continue to be reasonable, given the extreme circumstances that everybody is facing.
If, as many are suggesting, we face a recession and our GDP goes down, our historical data shows that we will see an increase, but I don't think it will be sudden. I'm not sure it will be a crisis, but it's very difficult to predict.