To draw on your analogy, the doctor often has an ability to try to explain the situation or circumstance you're in and what might be the best medication for you to take. We have a problem here in that often the communication on financial matters from those who are selling financial products is not necessarily clear or understandable by the people to whom they're selling. We have requirements for disclosure that say if I mail you something in the mail, I've disclosed the information. It doesn't necessarily mean you've even seen it, let alone read and understood it.
Part of what we have is no obligation, no commitment to making sure that the Canadians who are desperately trying to make decisions and handle their affairs are being provided with both the capacity and the information and language to understand them. What we have developed as an expertise in being able to explain some of these complex matters in clear language that people can understand.... Unfortunately, so much of the material from the private sector, governments, and institutions is very complex.