Yes, absolutely.
I just want to tell you that my office has not done any statistics on insolvency. It's really the office of the superintendent of bankruptcy that compiles the statistics.
However, I can tell you that, in practice, we are indeed seeing an increase in insolvency as a result of people managing their budgets. Budget management has been, in a way, affected by the successive increases in the inflation rate for everyday items such as food and housing. It has definitely had an impact and made consumers more vulnerable.
At one time, the average consumer in our office was someone going through a life event: a job loss, an illness or a situation that really affected their financial situation. Today, they are people who, from month to month, have accumulated debt, sometimes at high interest rates, and used their credit card somewhat as a survival tool to be able to pay day-to-day expenses. It's something we used to see less of a while ago in our offices, and now we see a little more.
I don't know if that answers your question.