Thanks, Chair.
Ms. Lang, your testimony is actually an eye-opener for me. I was not aware of a lot of things that you mentioned in your opening remarks. Please do send us the trend in insolvencies and bankruptcies for the period of the last five to 10 years if you can, so that we can appreciate.... You brought up a lot of numbers. Reading it will be much easier to comprehend than listening to it.
One think I should say is that I really like the funding model of your agency. Usually, whenever witnesses come from various agencies, the first thing they say is that they need more funds, so I'm glad to see that you are meeting your requirements through your own sources, which is a good thing. I have a couple of questions for you, if time permits, but I will come back to you later.
Professor Charlebois and Ms. Taylor, on this buy now, pay later, you mentioned that it incurs additional debt for consumers. How many consumers, and what percentage of consumers do you think are incurring unreasonable amounts of additional debt due to this BNPL?