Regarding the costs, it's difficult to say because on top of those out-of-pocket expenses, seniors have also seen significant declines in their retirement savings.
What we know about CARP members is that a majority of them are very concerned about outliving their savings, but when we talk about hard out-of-pocket costs, one of the biggest out-of-pocket expenses is prescription copayments. As you know, many of the provinces have restricted people to a [Inaudible—Editor]