Right. I want to pick up on this point with Mr. Champagne.
I'm not sure how you phrased it exactly, but you mentioned that there is the potential, and it may even be a reality right now, that between “those who have”, leaving school with no debt because either they or their parents are of means...that there could be an exacerbation between the haves and have-nots of young Canadians coming out of school.
Am I summarizing some of what you had to say correctly? I don't want to get it wrong.