Yes, there have always been life events that have caused insolvencies: losing your job, getting divorced, medical issues and that sort of thing. That has always been the case. What we are seeing increasing now is that people are coming to us who have not had a specific life event. “What happened? My expenses are much higher than what my income is, and I just can't keep up.”
That's why we're seeing an increasing level of debt over an increasing number of creditors. It's become more of a structural problem rather than a one-time event that is tipping a lot of people into insolvency.