We fielded the financial capabilities survey in 2009 and 2014. We saw some improvements in some areas. More people were saving for their kids' education, but people still said in 2014 that they didn't know how much to save for retirement. Not as many people as we would like were saving for retirement.
We saw some worrying trends. That's why at FCAC what we've been working on is really breaking down what the behaviours are that we want to change. We want people to be able to save more, to address your point. When people are on low incomes, how can they access money, change spending habits, and save? We're focusing on helping people budget, which helps people feel more in control of their money. They know their income.