Thank you for your question Ms. McLeod.
There are two important things you should know. On the one hand, with respect to numeracy, that is the financial ability of Canadian consumers, the FCAC is currently doing a survey to understand the situation and it will then take any necessary measures. In Quebec and in other parts of the country, home economics courses have been dropped in high schools. That is a loss for everyone.
On the other hand, with respect to regulations and a framework for credit cards, for years we have wanted the federal government to set minimum thresholds. There are also provincial regulations and that is where it gets very difficult: we're often caught in between.