We do. We had some really interesting research that we published last year and that we continue to build on. It's identifying specific behaviours that make a difference in what we call financial well-being. This is self-reported. A couple of behaviours really shone as making a difference, independent of the level of income. Of course, now we're not talking about subsistence. We're talking about people who do have incomes. Budgeting is one of the key ones. Those who planned for expenses and purchases and kept track really made a significant difference in their self-assessment. The second one is generating an emergency fund or a reserve fund, having some reserve to fall back on so that you aren't required to borrow in an unanticipated or unplanned way.
