We couldn't agree more that moving ahead of the problem, as opposed to trying to fix it, is the right way to go.
I have just a couple of things to add.
First, one of our targeted areas is youth, students—again trying to make sure that good financial habits are built early.
Second, I'll highlight two of our, I would say, more experimental resources. One is something we call a “budget planner”, which was released last fall. It had great reception. It's basically a very simple budgeting tool that people can use totally free. It helps people get into the habit of planning and building a resilient financial future.
The third one is a pilot program we're running now based on a program in the U.S. called “refund to savings”, which is trying to nudge taxpayers who are getting a refund to put that refund directly into a savings vehicle. Research shows that once it's in a savings vehicle, as opposed to someone's regular account, it tends to stay there. It's a bit of a “free money” way to build that emergency cushion.
These are the kinds of things we're quite excited about.