Thank you.
I do find it is a bit of a shame that we don't do more for our young people on that front, because that's really one pillar of the piece that's lacking. I think we've seen that in the U.S., where it has been really magnified.
I'd like to ask my last question of Madam Russell—and it is along the lines of student debt as well. In my past, I worked in the finance department of a software company, and one of the things my colleagues and I ended up doing was providing financial counseling to some of our new graduates, because they could not manage their money. It was not necessarily their debt load, but that they had no idea of actually how to manage their money.
I wonder if your group has any ideas beyond looking at ways of repaying debt, but of actually educating young students on what it looks like from the time they enter the first year of university and exactly how many years it will take them to pay off their student debts if they aren't proactive at it.