The primary purpose of the OSB and my office is to ensure a well-functioning insolvency system in Canada. We help to set the rules. We help to ensure that people are following the rules, and we ensure that there are consequences when people are not following the rules.
As it relates to credit cards, we touch on that in our insolvency counselling, which is mandatory, and we help people to have that fresh financial start when they come out of insolvency, knowing how to better use credit. Credit is a fact of life in Canada, I think, so it's about using it responsibly.
The second aspect would be creditor compliance. If creditors aren't following the rules of insolvency—for example, ignoring the stay and hounding debtors, even though they're supposed to stop collection behaviour, that's something that we would look into as well.