The CCAA process is very court-driven, so that might be something to watch, certainly. I know that the commercial courts in Canada are very busy. On the BIA business side, it's a little bit less so.
On the consumer side, I mentioned that we've made significant changes. There were changes in the 2009 legislation that increased the number of types of filings that could receive an automatic discharge, so the majority of those cases do not have to go to court. That was an important savings on court time.