Yes, there are a couple of things. One is that the Canadian Bankers Association was one of our founding organizations, so I'm certainly not going to be at all critical of the programs they undertake.
The reality is that there are two things. One was in the document that I brought to share with you today. We have an outline of what were identified as the areas of knowledge and skill that Canadians thought were important to have as a capacity to build an economic future. About 17% of those relate to money and finance. There are all sorts of other things that relate to an economic education that would fall outside the purview of the Canadian Bankers Association. I commend them for their efforts and their job, but they only do part of it.
The other thing is that I speak again to the essential matter of trust. As well-intentioned as the CBA is in what they do, I think there's a need for an impartial, non-partisan organization out there, especially working with the schools and with others who are somewhat hesitant about engaging with private sector organizations and others. I am fully supportive of the CBA's efforts, but as in everything, I don't think one organization is able to take on the monumental task there. In some areas they have a competitive advantage and in other areas they do not.
I believe there is definitely a need for a wider array of activities beyond only the efforts of the CBA.