Well, that's important to know, of course, because we want to look at the trend of borrowing. Thank you for that.
My next question is for Mr. Amiot.
The Prime Minister has stated in the House that affordability is the best it has been in over a decade, yet consumer insolvencies reached 140,000 filings in 2025, which is the highest volume since 2009 and the second highest since your office began tracking in 1987, as I think you said in your opening statement. Could you speak to this trend of consumer insolvencies and what is driving that?