That's a very good question.
I can't speak for Service Canada as to why it's taking longer, but I can tell you comments that I've heard from the call centre people when I've called in with clients. I've heard the comment as recently as two days ago, “We're at the peak because the baby boomers are peaking and it's going to get easier now.” They are attributing it to the baby boomers and the people aging at 65.
We see it as various things happening. Yes, there are people turning 65, and people becoming widowed between 60 and 65 and going on the allowance, which is old age security when they are lower income. We are also seeing people who are working until they are age 70 to 75, even 80, retiring and not having the funds, not having ever worked in a job where there were high enough contributions. It would have kept them out of being supplemented earlier, but then when they stop working, they need it to be able to live monthly because they don't have the savings. It could have been a health circumstance, a divorce, an unexpected death of a spouse, but they don't have the savings. So, it's a combination—