Yes, there are three stories that come to my mind. One is seniors who, because of their fixed incomes, have to go and get more occasional jobs to meet the growing need. The second is more in reference to our youth, because they need the money for education, for schooling and those types of things, and the third area is the area of immigration. That's another area where we are seeing that people can't volunteer as much.
There are also working families. This is the highest thing we're seeing as well. Working families are coming in more and more, and they have less to give. Whereas maybe one spouse was working before, now both of them need to, and that's where we're seeing a drop-off as well.