Thank you, Chair.
Thank you to our witnesses for coming in today.
Ms. Bednar, in your opening remarks you were talking about buy now pay later. You mentioned that this has become an increasingly common situation with younger Canadians.
I was seeing a joke about an ad where people could finance a pizza, which goes to show how common this is, even for small transactions. Where does financial literacy come into play here? How can we educate the younger generations about what's in the small print? What would you see? What are the first steps we can take to reduce some of this being such a common occurrence?