Thank you. That's important. I appreciate the witnesses being quick, so that I could hear from everybody. There are some other significant problems here.
I will go back now to Ms. Bell. With regard to the banking situation and funding, how significant is that, in terms of what you're hearing from your members? I ask specifically about that program as it is a micro example, but the bigger fix I think is what you're after, the banking and the borrowing practices. They have been predators. I've been fighting for credit card relief for Canadians since the beginning of this, and that's a whole other separate story, but maybe you can explain a little bit more about that, Ms. Bell.