Okay. A humble suggestion would be to figure out what that number is, what the percentage is of students who are defaulting on their student loans, because it will strengthen your argument to say that a lot of Canadians aren't able to make their student loan payments as they're currently set up.
One thing I never fully appreciated is that we live in a country of equality, except that if you're born in Quebec and go to university in Quebec, the undergrad tuition is much lower than if you go to university in Ontario. I want to get your feedback.