I can say that in Ottawa, there is big concern around what will happen in month 13. Many of the refugees got into a housing scenario where there were subsidies in the first year, and they're receiving their payments and whatnot. When they move into month 13, invariably their overall income goes down, and then housing becomes precarious as a result.
The question is whether they will be really ready and able, at that point, to secure sufficient income to cover off the costs they will have. I think for many of the Syrian refugees, that won't be the case. They will run into financial hardship in month 13.