Thank you, MP Morrice. I think that's really well put.
It's definitely connected with the lack of a living wage, I would say. A lot of people with disabilities are forced into deep poverty because of a lack of or very inadequate or abysmal supports from provinces. That's exactly why there is a push for the federal Canada disability benefit, and we're glad that's moving forward.
It's really the lack of a living wage that pushes people to resort to predatory loan products and, also, a lack of fair credit alternatives. It's really a market failure. That's what we believe, because if the market were working perfectly, we wouldn't see this happening. We need government intervention in this space—in fact, more government intervention—to solve this crisis that we're in today.