That was very helpful, and I appreciate it.
Just because I know time is so limited, I want to direct the next question to Momentum.
Mr. Loomis, thank you for your opening comments. I appreciate the importance of financial literacy. I saw it repeatedly in my work life. Thank you for highlighting how important Bill C-69 is for the most vulnerable families, in many cases, in our communities.
I want to link into, first of all, the importance of automatic tax filing. I think that's incredibly important, and thank you for highlighting it. What an opportunity it is to allow people to access services without penalizing them when, for a variety of reasons, they aren't able to go through that process. It can be very difficult for some to file their income taxes, and of course, that keeps them out of the portal of being able to access much-needed supports.
I want to link the first question to Prosper Canada. How important is it for community groups to become part of supports to protect people from criminal rates of interest?