Finance committee  Okay. Thank you for that.

Finance committee  Thanks to all of you for having me.

Finance committee  No. I wouldn't be able to speak to who is closest to capacity, but one thing I would say is that, as I mentioned, with my office having been kind of catapulted into the 21st century, so have the courts. It may be possible that they can leverage technology and find efficiencies th

Finance committee  That wouldn't be data we would have, because we have the companies that have filed a formal proceeding, although, as I mentioned, many of those are filing, doing a restructuring and coming out the other end. That would certainly be a good question for policy-makers to look at.

Finance committee  I haven't studied my historical stats that closely to be able to say that I have, but I would say that I don't think a specific sector suffering inordinately versus other sectors would have an impact on our capacity to handle the insolvency filings.

Finance committee  Unfortunately, this is not data that we collect at the moment. It's something that we will look at when we update our forms and work with StatsCan to see how we can properly collect that kind of data.

Finance committee  Well, we will see. It's definitely something that I want to focus on this year, to the extent that we can. Right now, all of our efforts since March have been focused on COVID-19 issues.

Finance committee  No, I don't believe we do for corporations either. Unfortunately, we don't collect any visible minority data at all.

Finance committee  Well, one question will be whether consumer behaviour will change, whether people will start to do a bit better on the savings front, based on their experience through COVID.

Finance committee  No. BIA business filings have been on a steady decline since about 2012, I believe. On the CCAA, we see ebbs and flows over the years. Based on slide 17 in my deck that I've provided, we had 15 filings in Q4. CCAA numbers are never overly high, but 15 in a quarter is higher than

Finance committee  Both have significant impacts. As you know, a single CCAA filing can involve a large number of employees, and then of course the majority of the numbers of pure filings are on the consumer side, so we pay attention to both.

Finance committee  Yes, and as I mentioned, there are often some informal conversations going on. My understanding from that side of the business for licensed insolvency trustees and professionals is that they are very busy already, even if they may not have done a filing, and they may be finding s

Finance committee  I would think that would probably be outside of my mandate to opine upon.

Finance committee  Do you mean on the business side or on the consumer side?

Finance committee  The CCAA process is very court-driven, so that might be something to watch, certainly. I know that the commercial courts in Canada are very busy. On the BIA business side, it's a little bit less so. On the consumer side, I mentioned that we've made significant changes. There wer