Finance committee  We send those off to the ombuds services. When people come in to complain, in any case, regardless of the complaint for which they're seeking redress, we can't deal with redress for them because we're an enforcement agency. We give everyone who calls with a complaint the appropriate contact information so the ombudsman can deal with the actual redress component.

Finance committee  No, we can't. If the complaint is a compliance matter, then we will look at it. But if it is not a compliance matter, then it is out of the jurisdiction of the agency to do anything about it.

Finance committee  Approximately.

Finance committee  We were given $3 million over two years.

Finance committee  Approximately $8 million per year.

Finance committee  For the moment, we must remember that we are really a relatively small organization. Therefore, we have a limited capacity to spend money without spending badly. We are therefore very happy with the money we currently have, and we are in a position to spend it well. We are very happy with what we have.

Finance committee  In actual fact, the fines—and I do not have the specific figures in front of me—would not make a very big difference. The fines are not what is important, it is rather the possibility of increasing our budget by $1.5 million per year in order to be able to put more emphasis on educational activities.

Finance committee  We have not established specific objectives. In fact, I was saying earlier that it is difficult to establish very specific and very measurable objectives in terms of education, in general. Therefore, we have not done that. Would I like to obtain additional funding in the years to come?

Finance committee  In fact, that is exactly the initiative that we are taking currently with British Columbia, that is indeed intended to reach 15, 16 and 17-year-olds. We do believe, like you, that learning at that age has life-long value.

Finance committee  There are major challenges. In British Columbia, schools must offer this type of course, where that is not necessarily the case across the country. As you know, this is a strictly provincial issue. That is why I was speaking earlier on about partners in order to better promote this type of initiative.

Finance committee  I'm not exactly aware of the specifics that you're referring to. I didn't realize that banks had sold off their credit card operations. Are you aware of any of that? I'm not aware of that, quite frankly.

Finance committee  No, there is none whatsoever. Their mandate is quite different. We're starting to work together on advertising and consumer education. They don't really have a role in consumer education, but they would like to support the agency's work in that regard. So we're working together, but there is no overlap.

Finance committee  No. Our mandate was basically carved out from theirs.

Finance committee  Indeed it has. That's one that we spend quite a bit of time on, on the consumer education side, trying to remind consumers about how they should deal with their debit cards and their credit cards to reduce the risks of that. The reality is that a large part of that is not consumer-driven behaviour, but we do remind consumers about what they can do to protect themselves.

Finance committee  The largest part of the behaviour is not something over which consumers have control. Somebody puts a little camera into a machine. It's really beyond the consumer's ability to control. They don't see these things, and so in that sense--