Quickly, with the minute or so I have left, Professor d'Astous, you spoke about plain language contracts, being clearer with Canadians about what they're borrowing and an increase in financial literacy.
Given all of the factors we've heard already today about affordability and the pressure of the cost of living, wages not keeping pace with the cost of living and interest payments on things like mortgages increasing, is there anything, really, other than an increasingly productive economy, that allows for higher wages and better incomes to support people long term?
I support financial literacy and I support plain language contracts, but none of those things are going to solve the cost of living crisis.