I can speak a little for Visa. Financial literacy is a key platform for us. The ability to be able to continue to help people manage their payment choices responsibly and manage credit responsibly is critical.
We've had a program for many years called Choices and Decisions, which is a curriculum that we work through the schools in Ontario and in other provinces as well. We're certainly a big supporter of the minister's efforts to continue to make it a higher-profile issue and ensure it's embedded in the curriculum, and that Canadians, as they're starting out, get the very best education they can on their own personal debt management.