That's a great point. We're not, in fact, depending on people. As we said, we work with 500 organizations across the country through which we promulgate and disseminate this material as well. For instance, advancing access to financial help is a key piece that we're working on with a number of different organizations in the country, and that includes teaching people how to access help, whom to complain to and where to go, so it is a proactive piece.
I would also say, in the context of the national strategy, that it is structured so that it is a distributed responsibility across the ecosystem. To your point, we are well aware that we are one organization of 250 people and we will not, in fact, be able to reach the 30 million adults in this country, so we do need to work with other ecosystem stakeholders to do it.
The last point, if I may, is your piece about whether there is a need for more financial literacy and more awareness. Absolutely, there is a need for more financial literacy, and this is why we carry out these programs. The committee might be interested to know that among OECD countries, we are in the top five in financial literacy.