Definitely, in my own practice, I've noticed that there is a growing number of younger Canadians who are running into financial difficulty and sometimes having to seek assistance and possibly insolvency services.
I think a lot of that has to do with just what we touched on in our introductory remarks. The nature of work, particularly for younger people, tends to be more short-term, the gig economy kind of thing, and that inconsistency in their income is what contributes to that problem.
To your point about the idea of student loans, fortunately the student loan bodies in Canada, for the most part, are very co-operative and try to help students as much as they can with payment deferrals and things like that. That's a great help to those students, those young people, but you know, it is a challenge right now to try to maintain a level of income that will allow them that mobility and those opportunities.