Thank you very much.
A lot of the questions so far have definitely been focused on and addressed the most vulnerable, and rightfully so.
Ms. Sutherland, you did mention a number of different items around literacy. The one thing that has continued to perplex me in my young life so far is the fact that there's very little financial literacy offered in our school system. If we were very objective, we would see that most of the stress in our life is around financial issues. I wonder if the panel could provide some thoughts on some possible avenues whereby financial literacy could be provided. I understand some provinces are looking at this but have not really implemented it fully.
I'd like to make another point. I'm also a landlord, and I have a tenant who, I must say, does make a fair wage. It's definitely above the average income, but every month he is coming up short. The number one issue is that he has very poor financial literacy. I was fortunate that my parents could provide some insight in that area, but if your parents can't....
Could you please provide some thoughts on this for our panel?