It has remained the same to a large extent. We are on track and it's business as usual. That said, we certainly realize and are planning for higher than expected losses. One of the big beneficiaries of this program is in the accommodation and food and beverage services sector. As you know, those guys have been the hardest hit, so we're expecting quite a number of claims to come in.
As you can imagine, when the loans go into default, the financial institution has to realize the assets, realize on the personal guarantees, and at that point in time, submit a claim to us. We go through the claim and then process the payments. There's probably a six- or 12-month lag period between businesses going into default and us realizing and paying the claims.
At this point in time, we're flat or maybe a tiny bit up, but we're expecting this year and next year, particularly as some of the government support programs decline, that those numbers and values of claims will increase.