Okay, I'm going to move on to Mr. Cowan.
Mr. Cowan, I met recently with a lot of university and college students across Atlantic Canada, and one of the things I took from that meeting was they spoke about the amount of debt they started life with after school. In lots of instances, it's a lot more than $25,000, and particularly in Atlantic Canada, a lot of these students have to be mobile, in that they have to go and find work in their careers where the work is available, which increases their need either to find rental properties or—down the road, when they're established—to buy homes.
In your experience, are you seeing more young Canadians, particularly in regions like Atlantic Canada, entering insolvency? Are they hitting a brick wall?