Thank you, Mr. Chairman.
I'd like to make a brief comment before asking my question. I'm going to talk more about the African continent, with which I'm more particularly familiar. In terms of development, I believe we've moved out of the development era and into the sustainable development era. I think that aspect is very important. It will have much finer, much more strategic implications. At the last meeting, one of the witnesses, whose name I forget, told us about smart investments. I believe we have fundamentally adopted that smart investment principle.
My question is for Mr. Bernier. With regard to the offer of diversified financial services, I am somewhat familiar with virtually all aspects of the cooperative financial model. I know from what you've told us that it is having very positive effects, particularly in Africa, since all investments are reinvested within the community. That same community benefits from them. I find that principle absolutely positive.
However, with regard to the diversification of access to various financial services, what guidelines are you implementing to protect people from overindebtedness, to prevent people from becoming indebted or overindebted?