I think it's a combination of many things. We've talked about gambling today. Gambling is part of it. There's also drug addiction, illnesses, job loss and family breakups. Those all combine to cause this. I wouldn't attribute it to one particular outstanding issue. You have to look at it as a case-by-case situation.
Keep in mind that when people say they are feeling $200 away from being insolvent, it means they're not going to be able to make their payments in an orderly fashion. They may rely on debt after that $200 amount.