My last question is for Mr. Littler.
Mr. Fast went exactly where I wanted to go, which was around insolvency. We're actually hoping not to see a lot of insolvency. My question for you—because we haven't had that much discussion on the finance committee on this—is around.... Is there a policy change or an adjustment that we could make to ensure that we are as supportive as we can be for those who are falling along that line, so that maybe we can help them sustain themselves a little longer so they actually don't fall below the line?
If you have any thoughts on that, I'd be grateful.