Thank you, Mr. Chair, and thank you to all the witnesses today.
Ms. Robertson, I want to come back to some very distressing numbers on the risk of bankruptcy, on people being able to pay their bills pre-COVID and the notion of deferrals.
The deferrals are, for the most part, exactly what they are. They're deferrals. If people have been out of work and they've been struggling before COVID, and now they're post COVID, whether it be a deferral on mortgages, or interest payments on mortgages, or utility bills, or on property taxes, which many communities have done, how concerned are you that the insolvency numbers will skyrocket? I just see that we're going to hit a fiscal cliff this fall, and I'd like your opinion on that.