Thank you, Mr. Chair.
I would like to thank the three witnesses for being with us.
Mr. Amiot, you have spoken to us about the debt ratio of our fellow citizens, which is too high. It breaks my heart to know that families have to use credit cards just to get by from month to month. We know that the cost of groceries, the cost of rent and the cost of gas have risen. For our part, we have put forward proposals to ease the burden on Canadians.
I would like you to paint a picture of the people who come to your office. Would you say that the range of people has widened, and that you are even seeing couples finding themselves in this kind of emergency situation, even though both partners are working?