From the bank's perspective, I'm not hearing that. Clients aren't telling me that is a concern of theirs. If I could speak personally to it, that would be a different thing, but from the bank's perspective, I'm not hearing that.
When I speak to entrepreneurs and ask them what their challenges are—and it's about the same for both men and women—it is access to financing. One of their biggest challenges is retaining and recruiting talent. But I'm not really hearing anything on the child care side of things, sorry.