Thank you, Chair.
Ms. Lang, I'm going to start with you. Thanks for being here today.
I want to go back to your opening statement, because I was connecting all of the stats that you put out quite quickly, which I think are very helpful for us, so I can go back in the record and look at exactly what you said, but I just want to make sure that I interpreted you correctly. I think what I heard you say is that credit card-caused insolvencies as self-reported are not perfect because it's an open text field on your website, I guess, and that these haven't worsened significantly as a percentage of the overall insolvencies in Canada. Is that true?