Thank you for the question, and thank you, Commissioner.
We work in a few different ways with consumers. We directly study consumers to understand what it is they understand and don't understand. Based on that, we do consumer education to help them understand the things they don't. We also do direct interventions with consumers. In the last four years, for instance, we have done interventions with just under 700,000 consumers, which have led about 200,000 of them to make better financial decisions about their money. The third thing is that we work, through the national financial literacy strategy, with ecosystem stakeholders across the country, who in turn run on-the-ground programs that we partner with them on, or run financial or digital literacy programs online and through their extensions.
These are all parts of the way we study what consumers know and don't know, and then we try to use those insights, as I said, to inform our educational material and the work we do with the Department of Finance on policy and regulation.