We haven't done any research on that particular area. We certainly know that since the mid-nineties the National Anti-Poverty Organization has lobbied the federal government, in its role as a regulator of financial institutions, to widen the accessibility to financial services by poor individuals. There's been some progress, but it remains very problematic. Some provinces are only now taking steps to regulate pawn shops and the predatory lenders and cheque-cashing services. The United States is much further ahead, and has for a long time, as you pointed out, required financial institutions to create that support.
There are a number of foundations in Canada, for instance, that work on first nations reserves and in developing countries. They have great expertise around micro-credit. They have used that in community economic development as a standard tool. It's an important area that we need to look at, particularly as it pertains to financial literacy and exploitation.