Thank you, Mr. Chair.
I want to thank our witnesses, minus one, for their excellent presentations.
I had questions for the second one, but since we have only our two witnesses from ACORN, I will direct my questions only to them.
I'm actually going to start off with Ms. Borden.
Ms. Borden, you provided testimony about the need to take out an instalment loan. I would say that the average Canadian actually doesn't know what an instalment loan is. Could I maybe ask you to explain why it is you felt you had to go to an instalment loan and what other options you might have considered? I just want the average Canadian who might be listening to understand how you got to where you are and what other options....
You have about a minute to do that because I have a few other questions. Thank you.