I think it's a combination of factors. It's confidence in the economy; it's measures being taken, not just federally but provincially as well, across the country that I think have caused a little bit of cautiousness among small-business owners.
We're still monitoring it closely and trying to understand why we're seeing this higher number. I think about 20% are planning to decrease, and about 10% are planning to increase, which is worse than we've seen in a while, and it's something we're starting to worry about.
For now we'd just like to try to maintain the jobs we have right now. I think that's important. The small-business sector has always kept that stability in the marketplace. They're the ones who are the first to hire and the last to fire, so if they're starting to look at ways to reduce some of those costs, then I think that's a bit of a canary in a coal mine type of thing that we have to watch closely.