There are a couple of things. Very germane to your question is a project that we're driving--we'll get the information and share it with you--where we are targeting lower-income Canadians and people in these distress areas. We have a major report, which I'll get to all members of the committee, on financial capability. We're lining up with non-government organizations to drive that whole area.
The enormity of what we found in the first four years is quite unbelievable. We still have general rates of literacy running at about 42% in Canada. We have to figure out ways to crack that egg in terms of getting them informed around financial literacy and their capability to deal with immediate problems, like the first-time homebuyer on mortgages, etc., to show them, if they gain their confidence, how to make the choices on where they go. That very much is in the materials we are targeting.
Quite frankly, to do that, I don't see growing this agency as an enormous bureaucracy. It's going to take partnerships, and working with organizations and groups that are already out there and established in those communities.