Thank you very much, Mr. Chair.
I have two quick questions.
First, Mr. Ryan, you mentioned the issue of payday loans. In my riding, I know there are a lot of people who have to access payday loans, at a very, very high price. It's not necessarily a question of literacy; it's also a question of accessibility to financial institutions. A lot of the larger banks, and unfortunately some of the credit unions, shut out those folks who have very few assets and very little means from having a regular bank account.
I'm wondering to what extent your agency is talking to government departments about increasing accessibility by day labourers—which I once was—to real banking services, including having access to a line of credit that would mean they wouldn't have to access payday loans.