I'm happy to respond, as well.
Visa continues to invest significantly in financial literacy and financial education around the world, and certainly in Canada as well. That takes many forms.
Similar to our friends at Mastercard, we invest in small business education. We have also been running programs for the last several years that are focused on small businesses and their digital enablement and empowerment. What understructures our financial literacy efforts is the curriculum we developed that's been peer-reviewed and tested in Canada and elsewhere. It's available for free, without a Visa brand on it, to educators and trainers for primary, secondary and post-secondary...and for new Canadians and new families. That curriculum has been delivered thousands of times in Canada.