It is the cost of everything. We see houses in the lowest-income quintile in the country spending more than 100% of their expendable income on housing, transportation and food costs. That leads to untenable situations where people are taking on more debt, accessing credit and that sort of thing. We're also seeing situations where 20% of food bank users are employed. The highest-cited reason for accessing a food bank is low or delayed wages.
Fundamentally, food bank usage is an income problem. We've heard from previous witnesses at this committee that we don't have a lack of food in Canada—and we don't; we have an issue with getting that food where it needs to go. We also have an issue with the amount of money people are taking home at the end of the day. Yes, it has to do with their expenses and how much money that's costing, but it also has to do with their access to such supports as employment insurance and the groceries and essentials rebate, which, while a welcome support, is not taking in the realities in northern Canada, for example.