Yes. As I mentioned, about two-thirds have pandemic debt. That will vary, obviously. We also know that one in five or one in six are looking to close their doors. Close to 16% to 18% of businesses are in that sort of category. It's probably somewhere in the middle. It's definitely not going to be all two-thirds. I think many of them think that if things can return and they can get closer to what they were doing prior to the pandemic, they can probably pay it back within a year or two. They're probably going to be okay. It's really that group who were closed for....
If you were a restaurant in Toronto, you were closed for up to 350 days throughout the pandemic. That's a lot of time you were dormant. You still had to pay rent. You still had to try to figure out what to do with your utilities and all of that. The subsidies were great, but they didn't cover everything. Those debts still have to get paid off.