I'll move to another topic. You talked about financial literacy. A couple of the witnesses mentioned that financial literacy is something that has been flagged.
We see students entering university today, and it's a different world than it was. If you're as old as me and have grown children.... When I went to school, it was cash. There were no credit cards. There wasn't that risk of making bad choices. Today—and I've lived this with my children—they're managing tuition, rent, credit cards and that first time away from home, and they tend to not have the financial literacy to deal with all of those items at once.
Ms. Aberback and Professor d'Astous, could you comment on what we can do better to get young adults ready to understand financial terms?