Great. Thank you very much.
I'll move over to the Canadian Federation of Independent Business.
When you look at your members from across the country who have small and medium-sized businesses and you hear about their challenges.... We know a lot of small businesses are still carrying a lot of debt from the pandemic that they haven't been able to pay off. We know, again, with the higher interest rates, that their debt loads are a lot more and their costs are going up.
I'm wondering if you can speak to some of the current challenges that the small and medium-sized businesses are facing that you're hearing about.