I really admire the work your agency does, and I imagine you receive a lot of accolades. You have my full confidence. But the problem before us calls for a new structure, a new strategy. All we have at this point, though, is a new person. We don't even have a clear definition of what that person is going to do. For instance, we don't have a definition for financial literacy. Someone who comes purely from the financial sector might say that financial literacy is merely teaching people how to invest in markets, like the stock exchange. The recommendations, however, apply to other situations. That is why we take issue with this piece of legislation: it doesn't go far enough, it doesn't set out a comprehensive vision, even though the recommendations are there.
Thank you, Mr. Chair.