First, again, I have to apologize for our data on this. It's not perfect. The way we would look at payday loans is based on the name of the creditor as entered by the licensed insolvency trustee. Of course, a multitude of organizations would fall into that large basket of sort of subprime lending.
I did ask a while back for some information on payday loans. It is an area of concern for me with regard to the lowest-income debtors who may have no choice but to access subprime lending. In terms of what we found, I can't compare it to the rest of Canada, but it appears that the use of this facility is on the rise. In fact, it's about 8% more prevalent with a second-time-or-more filer. It's actually a more worrisome trend in that somebody is less creditworthy and has even fewer options in terms of how to access money that they may need. Often it's to pay for things like rent, groceries for the week and things like that.