Thank you, Chair.
Thank you to the witnesses.
My apologies. I had to disappear for an hour on a previous commitment, so if my question has already been answered, then I especially apologize.
I have a question for Mr. Kelly.
Mr. Kelly, in your introduction, you talked about the number of businesses that continue to be affected by debt taken on during the pandemic. If I'm not mistaken, the average small business has taken on 170,000 dollars' worth of debt. Is that right?