That's great to hear.
I think this was alluded to, there's always a concern, as you're starting to lift some of the measures that we have in place, what the impact is going to be around bankruptcies or personal insolvencies. One of the things that you had mentioned is that there will be an increase of activity, but you don't think it will be sudden. Why don't you think it will be sort of automatic? Do you think it will take a certain period of time?