Okay. I'd just like to move on to a second question, if I could, or just follow up to that and agree.
First of all, I agree with you on the need to support post-secondary education. I'm just talking about this particular vehicle.
As to one of the big criticisms of this, I did speak to Bonnie Patterson, who's the president of Trent University, and she indicated to me that about 53% of students graduating from Trent have no debt whatsoever, indicating that those students are being funded either by their parents or through savings.
I'm concerned that what we have right now may well be an access problem for lower-income families, and I don't see how they could take advantage of this type of program. We know and we've heard talk of the potential financial hit to the federal reserves overall. That would seem to me to potentially weaken the amount of support that government could lend to lower-income families, to allow for access for low-income families.
How would you respond to this potential distortion that this could create, whereby it would really benefit middle- and high-income families and really move to further limit access for low-income families?