You mentioned financial literacy playing a role. What we've seen in some of the testimony is that there's also a way to stream, especially young Canadians, toward using credit cards and higher interest payments. This could be marketing done on apps and phones.
We've also seen grocery stores move, in purchasing companies, to getting people to buy groceries and so forth using these high-interest-rate programs. For example, DoorDash, Uber Eats and all those different things are all paid on those systems.
Is there any concern that you might have with regard to young people? Is there any data or information that you have that suggests we're allowing a structural change to take place in the market toward using those high-interest options versus low-interest options?
Later on, people can get themselves into circumstances they never foresaw.