I like that comment. I'm going to pick up there, and I'll give it a bit of a preamble.
I'm a substitute on this committee, but I do have 18 years as an educator—as a classroom teacher, a principal, and a university professor. I have taught at all three levels. I have taught every grade in the classroom, from grade 4 right to post-doctoral studies, so I know a little bit about curriculum limitation.
We have thousands of students going to their first year of university this year, and when they walk onto a campus, I'm sure one of the first experiences they have is some sort of bank shoving a credit card into their hand.
Would you agree that's what happens when you start university?