Mr. Bazian, you just finished mentioning that, unfortunately, a lot of Canadians rely on credit card debt to cover the basic essentials, some of which, of course, are groceries. Statistics Canada also released that transportation, housing and food are costing Canadians approximately 104% of their income, and that Canadians are about $200 away from not being able to meet their financial obligations.
What do you see as the root cause of this trend?