Thank you.
We've been pushing for a fair credit benefit. That's something that the federal government could do. That could be administered by the banks or by a non-profit agency.
As Ms. Mulholland stated in her remarks, Good Shepherd in Australia has provided a good alternative in that country. It was supported by the federal government and administered by a non-profit agency. Alternatives such as these could provide fair credit to people who need it most.
We are seeing more credit unions offering credit products. We saw DUCA credit union start a DUCA escalator loan recently. There are these products that are becoming more and more available, offering a payday loan alternative. We want to see more of such alternatives. As I said, the Canada Post and TD loan product was a decent product. Unfortunately, it was discontinued.
We've also been pushing postal banking as an alternative because we believe that's something that could offer people a fair credit alternative. There are such alternatives that can be made available, rather than giving fringe lenders a free market to exploit vulnerable people.