The frequency is fairly low. The last failures in Canada occurred in the nineties. This regime that we're talking about, about trust deposits, is a new regime. These trust deposits were already insured deposits, but the information requirements have been updated through legislation adopted in 2018.
Essentially, failures have not occurred in the last 30 years, so these are, I would say, unusual events. The purpose of the act is to be ready if it were to come about.