Thank you, Mr. Chair.
Dr. Jenkin, I'm going to ask you to answer yes or no to my first question, please. It will be faster.
As part of this study, a number of witnesses have testified before the committee. They said that credit cards were strongly promoted by financial institutions, even though they don't necessarily meet consumers' needs. More specifically, despite the assessment of the consumer profile, the bank would push a customer to get a credit card when it does not meet their needs. We were also told that the financial institutions' sales technique was very aggressive and that access to credit was very easy with little verification. Are you seeing the same thing?