That's a very good question.
What we're seeing more is people relying upon high-interest loans and payday-type loans. Prior to COVID, when people came in, they may have had one or two on their statement of affairs, and now they have multiple. To your point, they're using more debt to survive.
Is it sustainable? I think as long as minimum payments are being made and pressure is being put forward on these people, they're going to continue to live in that environment. There will be a tipping point one day when some sort of shock or crisis hits them, whether it's the loss of a job, an illness or a separation or divorce. That will definitely have an adverse effect on their cash flow, and that could be a very strong crisis that would tip them over into an insolvency situation, where they may need our services to do a bankruptcy or a proposal.