Right, but the creditor is still owed the money. Yes, if as a creditor you're capitalized well enough that you can allow the debtor time, that's obviously ideal, but it still has a negative ripple effect throughout the economy. That creditor has lost whatever other opportunity they have, whatever their business might be, to employ Canadians or pay their own bills.
At what point do you think some of this will likely come to a head and see, perhaps, increased filings, or give you confidence that there will not be significantly increased filings?