Can I ask you one other thing? I heard your presentation and others at the finance committee, and something that struck me there was that job losses today and the business failures today are reflecting conditions from some time back, months or even a couple of years back. So as regards the full impact of this perfect storm, the level 6 hurricane that was referred to earlier, we have not felt the full impact yet, and this will roll out in months or years to come.
What do you think we're facing in terms of the impact of the current conditions if nothing happens to change things?