Thank you, Mr. Chair.
Thank you, Ms. Lang, for your presentation today.
I wasn't as puzzled about the numbers, that there hasn't been a significant increase in bankruptcies, because I think you covered it. It's a laggard. Given the extent of this financial crisis, from the evidence that I've heard, most of the financial institutes or debtors are doing everything they can to avoid putting people into that situation as they try to work their way through it.
Do you think that's a fair analysis? I don't think these numbers indicate that we're in a financially healthy place because they're lower; I actually think we're not in a financially healthy place, but that's a reaction of the marketplace to not push people into bankruptcy, at least now. Would that be fair?