Can I just touch on the veterans emergency fund? I was up in North Bay, and I was trying to figure out why North Bay is our highest consumer of the veterans emergency fund. I'd thought it would be Halifax, but in consumption per capita, it's North Bay. They are supporting World War II veteran survivors and widows, and they don't have to do the paperwork to get dentures or hearing aids for widows. This makes me so proud of our staff.
On the income replacement benefit, it's 90%. I just heard from the service excellence advisory group the other day that the best idea we've come out with is that someone on income replacement benefit can make up to $20,000 without any clawback. This means they are actually being incentivized to find purpose. Whether they want to work at a Home Depot or any other store or they want to start a little business of fishing lures or whatever, they're finding purpose. That's why they say the best idea was that $20,000 of allowable income before clawback.