Thank you very much. That's very helpful.
I'm going to move on to another topic, again for both organizations.
I'm going to refer to the financial well-being surveys that the Financial Consumer Agency of Canada conducts. It found an upward trend in the percentage of Canadians who used online lenders or payday loans. It apparently went from 1.9% in 2019 to 4.52% in September 2022. Of those who used online lenders or payday loans, 48% reported using a cash advance or a short‑term payday loan, and 30% reported using an instalment loan in September 2022. Indigenous peoples, recent immigrants and low-income Canadians were found to be more likely to have used these types of loans.
Have your organizations noticed any demographic changes in the people using online lenders or payday loans?
Ms. Mulholland, do you want to go first again?