Yes. One thing I know, from talking to my international colleagues, is that other countries, such as the U.K., do a better job of funding financial counselling. It's more of a charitable industry there compared to in Canada, where even if it's called not-for-profit, it's often just a tax treatment. These organizations are often charging and selling products.
Whether it be through creditors or through the industry that already exists, I believe we could do a better job of funding that to help Canadians.