Now, I’m going to tell you a little bit about consumer proposals, because many people are not terribly familiar with it. The idea of a consumer proposal is, first of all, a proposal is a proposal. There are two types, consumer and regular. The regular one has been around since day one, I think, 1920 or so, but it was designed mainly for corporate, commercial situations. Instead of the company folding, they make a proposal to their creditors, to stay alive, keep the jobs going, keep things going. Maybe they turn a corner and eventually everybody is happy. But, what about the ordinary person? Until 1992, there was no mechanism for an easy approach, an easy similar approach to the debt. So, in 1992, Parliament amended the Bankruptcy Act, as it was called then, and renamed it and all that, and introduced something called a Consumer Proposal. And it’s designed for an ordinary person, instead of going bankrupt, which that is what they did in those days, they could say “no, I don’t want to go bankrupt, I think I will try to reach a deal with my unsecured creditors”. And the process is simple, it is kind of streamlined compared to the commercial proposal. And it is really designed to make it as easy as possible for a person to make that accommodation. It’s supposed to end up with a better result for everybody concerned. That is the whole idea what Parliament was trying to achieve.