We've seen those rates come down four times in a row, which is great news for Canadians. That must alleviate some of the pressure on them. However, they're now carrying more credit card debt, I would think, as a result of coming through a period when their mortgage payments may have increased by $900 a month, which is significant.
What is our obligation in terms of financial literacy, and who among the panellists today works on that? Can anyone speak about the Government of Canada's work on raising awareness and dealing with financial literacy?