Thank you very much. This is an important question.
I mentioned in my opening remarks the model that's being used in Quebec to recognize in-house training. If you look at the retail sector, a lot of the training, from entry level to the top, is very much in-house.
Home Hardware is a perfect example. It's a co-op; it's a franchise; it's owner-operated, as you said, and they spend an enormous amount of time and money. The issue here, though, the reason they've had fewer problems than maybe other retailers, is that 80% of their stores are located in more rural areas. There are a few urban stores, but most of them are rural, so the turnover tends to be much lower. The relationship exists. For urban stores, even if they're independent stores, the challenge is the cost of training. And that does impact on the amount of money you then have left to pay employees.
The good news is, if you look at the entire service sector, the retail wages have been going up faster. That's because of the competitiveness for labour. But there's no question, if we recognize that retail plays an important part, we need to look at ways to allow retailers to recoup some of the costs of in-house training. That would be big.