You have to put this into context. We just increased the overall support for students to enter school.
First of all, 60% of the public never utilize student loans and are able to go to school without it. For those who don't, we think one of the most important things you can do is deal with the up-front costs.
I'll make two points. We increased the support for post-secondary education last year by $800 million, a 40% increase, which the provinces can use to maintain tuitions, or reduce them if they choose, I guess, but we know in many cases they've actually decided to freeze tuition rates. That's important.
Secondly, these new student grants will ensure that people have the knowledge that they will get cash up front and therefore won't have to have as big a student loan as they would have otherwise.
We think this approach of up-front cash and more realistic terms when people graduate and are struggling to repay is the best approach.