Thank you.
I'm going to continue along the same lines as my colleague.
Ms. Bednar, if we want to understand debt problems, we need to understand the psychology of people who go into debt. For example, some bankers might tell us that the buy now, pay later plan is just a financial product available on the market. Reasonable and rational people use it intelligently. However, when these products are offered to people with self-control issues when they want something right way or when they're hungry and they have no income or are on a tight budget, they can be a tool that makes them even more financially insecure. They could start a cascade of financial events that can potentially lead to bankruptcy.
First, I would like to know how popular this practice is. What does it say about our needs and about how our environment is creating needs for us today? Isn't it also the source of a lot of debt problems?
I would also like to know whether using these products a lot leads to financial problems. Do we know if they indicate that someone will have financial problems in the future? What is the profile of people who use them a lot? Do they tend to be younger people? I can tell you that my grandmother doesn't pay for her groceries in 12 equal instalments. Are they more popular with young people, then? I'll let you comment on that.