You're right. We've seen through our consultations with Canadians that a lot of low-income Canadians are better when it comes to financial literacy, because they have only so much money to manage.
I think it is important to be able to build those skills and that knowledge from a very early age. When Canadians have those skills when they start earning income, and when they're accessing government benefits, they have a certain amount of money that they need to manage. If they're provided those skills, they're better able to manage their money and debt wisely.