I'm not familiar with the FCAC broad review, so I can't comment on that, but I can comment on the financial literacy part.
I think there are so many products being offered by the banks now that it's virtually impossible to educate the public on all of the different products, especially when the products themselves keep changing in nature. Nobody gets something in the mail or in their email saying, “Oh, by the way, we've changed the interest rate on this, or we've changed the service charge structure, or we've changed the minimum balance requirement.” Those things just don't go out to the public. You would have to retrain yourself on all these products every six months in order to keep up.