Great. We could have a great conversation about the industy. You say that the industry is paying. Well, ultimately they're building it into their pricing, so I would tell you that the taxpayers still pay. It's still a cost to them.
My last question is this. It just strikes me that much of what we're doing with financial literacy is reactive to the situation we're currently in or what it was pre-COVID. How much of an emphasis will your group put on trying to intervene earlier and assisting provinces and other sectors with being in front of the curve so that when people get out into the working world, they will realize that debt isn't necessarily a good thing?