Thank you, Mr. Chair.
I think it's very important to mention that if you go around the table, we're all in favour of financial literacy. I'll compare it to a game of golf: some of us are going up the left side of the course and others are going up the right side, but we're still trying to put the ball in the hole, which is to create financial literacy for Canadians. When it comes to that, we've been talking about a framework. There doesn't seem to be a lot of framework, in our opinion, in the bill.
Maybe I'll start with you, Mr. Rudin.
Could the FCAC have hired a financial literacy leader without this legislation?