The sectors that we know are having the hardest time with repayment are retail, hospitality, service, arts and entertainment, travel and tourism. These are the sectors that, of course, endured the lockdown measures the longest and probably have the longest road to recovery.
I will say, though, that while it is good news that 80% of businesses repaid the CEBA loans by the deadline, the way that many of these businesses found the money to repay the bank was by taking out another bank loan or, in some cases, putting the CEBA loan on their credit card. About a quarter of those who were able to repay their CEBA loan—which is a good, positive thing because they got the forgivable portion—did so in an incredibly expensive way by borrowing to repay a loan. I liken that to taking money out on your Visa to pay your Mastercard bill. That's not a great success, from my perspective.