There's been no evidence of a difference between males and females, but again, we haven't done any research in that regard. Our system is distinctly different from what's proposed in Bill C-54, from the vantage point of the contribution limits and the $1,100.
I really can't pass judgment in terms of the lending practices.
I don't get the sense that there is a distinct disadvantage for certain groups versus others with the system we have in place.