Thank you for your question.
I would say that an increase in consumer proposals is generally a good thing. It means that people are able to offer a bit more to their creditors. Active creditors can play a role in determining whether that amount is reasonable or not. We don't always have active creditors. I think your question is whether it will become a vicious cycle of repeat insolvencies. Over the years that we've tracked that, we have not seen a significant increase in repeat insolvencies, but it's definitely something that we should be keeping an eye on.