Thank you, Ms. Jackman, for being here today.
I think your testimony is quite valuable in that you're the first person I've heard who's had this very direct experience with clients under these kinds of conditions.
I'd like to go back to what you said about there being no study of the experience of your clients. You just mentioned that in passing. Was there no study done by anyone, the courts or anyone in government, about the impacts of these conditions?