Micro-savings programs, where they've been really pioneered in other parts of the world, have found the majority of success with people who have a really high stake in earning money for themselves but also for their families, so they're family earners, and a lot of them have been moms. I think that could be true here.
Helping people understand the goal of micro-savings is really important, but fundamentally getting them past the fact that they're going to be penalized for having any sort of savings is going to be paramount and a monumental task for people who have ever been on social assistance. Our social assistance system teaches people to be incredible existentialists. It is about now. The future for people on social assistance is at maximum one month, because if they save money they're penalized. If we can eliminate some of those penalties, that would be great. I know those are provincial jurisdictions predominantly, but having an understanding of the micro-savings piece, you'd have to get past that.
For the working poor, that micro-credit idea of creating credit and loans, I would say, is very important. If you want to do that immediately, introduce much heavier regulation of the payday loan industry. They are micro-credit masters; they're unfortunately also masters at collecting fees and service charges that amount to interest, really. I don't know too many of my friends who are making over $50,000 a year, or over $25,000 or $30,000 a year even, who are going to payday loan places. I do know many of the men in our shelter are on our trusteeship program, so they don't have to go to those places, and that's very critical.