It's hard to tell. What we did see was that retail had 40% more proposals at the close of last year than it had the prior year. That was atypical, actually, across Canadian industry. With the exception of arts, tourism and activities, basically, the number of bankruptcy proposals was dropping, but it did shoot up in retail.
You have to disaggregate from that those that might have been in perilous shape to begin with. I don't feel that we've felt the full knock-on effects yet. We're going to require a consumer confidence vote, both in the public health environment and in their own financial circumstances, so I'm not sure that, in a sense, the other shoe has dropped for those who may be struggling with their current capital position, because of course they're presuming there will be a rebound. Whether it's behavioural change or otherwise, some of them may not see it.