I think, from my perspective, that's very much true.
To come back to the concept of net worth, it's basically that households have four times more financial assets than they do debt, and they have the ability to bridge periods of income loss, to be able to manage in other ways, to reallocate spending. At the same time, we saw this big dip in arrears and insolvencies during the pandemic, and this was related to government support.
There's a lot of talk of increase in arrears, and you can have some heroically high percentage growth numbers, because it's coming from a very low level. It went far below normal, to record low levels of insolvencies, during the pandemic. What we've seen is a return to normal, and it is even possible that you will see a bit more, because some share of that population likely would have gone bankrupt had the pandemic not happened.