Clearly, right now we're experiencing this with respect to the conflict overseas and the impact on oil prices and, therefore, prices at the pump. We talked about the issue of car expenses. That's a big one for a lot of people—transporting themselves around to work and to things like that.
Generally, what we find too, certainly in my line of work, is that these external factors have a psychological impact on people. If they feel besieged by the debt they have already, they are even more likely to seek out a solution, like an insolvency proceeding, in order to solve the problems they have because of the impact of these external factors.