That's really the right question. Financial literacy and digital literacy go across the whole spectrum here, and they're absolutely critical. We're very active. We think what Minister Flaherty is doing on financial literacy is great. We are strongly supportive of that. But that's only part of it. It's not in the schools yet and it needs to be there. We have our own non-partisan, non-commercial programs that we try to put into schools on the financial literacy side.
But on digital literacy, I think there is a role all players--the banking industry, this committee, the government--need to play to foster awareness in the Canadian population about the importance of security. It's very often through the customer's computer system that the bad guys get in. With greater awareness comes greater comfort and greater confidence in being able to use the systems, and that will go a long way.