Of course, we're doing the study because we want to understand what is driving this trend of increasing indebtedness, and why Canadians are having to rely on credit card debt for basic needs. It's also to get your recommendations in terms of how we can break this trend. We are seeing this trend. It's been consistent, even post-COVID.
Some of the solutions are one-time handouts here and there, but what would be your recommendations in terms of a longer term, sustainable solution that Canadians who find themselves in that situation would need?