Thank you, Chair, and thank you very much, again, to the witnesses for being here today.
I want to explore those numbers a little more because I'm interested in comparing.... I guess I would talk about a funnel. For the recruitment process, how many people come in, how are they onboarded, who drops out? I'm thinking of other forces. It could be allies or it could be the RCMP.
I'd like to get back to that, but before I do, I just want to say that I had the honour and the privilege of being a civilian instructor at Saint-Jean-sur-Richelieu during 2006-07. As you can imagine, I was not out in the field helping our soldiers. I was a financial instructor. I was thoroughly impressed by the program that was in place at that time to help recruits and officers with the financial pressures of being a soldier. I'm sure we could go into more detail about what those are. It was, to my mind, a state-of-the-art financial education, although I did find that there was a problem and I tried to address it with my superiors at the time. This would have been in the SISIP program. I have no idea what they're doing now. I must have taught over 4,000 recruits in a six-month period. They were coming in one door and.... I have to say, the saddest thing was when those who didn't make it had to go out the back door with their kit bags and take a taxi back to Montreal. That was sad.
I did not get a chance, as a financial instructor—and I was working with some of the support personnel and so on—to do financial counselling, which was a big pressure. It's under-reported, and I'm sure it's still a major issue today. Someone mentioned earlier the clean credit record. I don't have to tell you there's been a generational change between when we were 18 and couldn't even get a credit card, and an 18-year-old today who has 14 of them. I'm just pointing that out. It was something I tried to address. I did actually—even after I left to go and teach at McGill University in financial education—take it up with one of your ombudsman offices and so on, so I think some work was done there.
However, that was definitely a pressure that the individuals were reporting to me and we did not have a way.... There's a way you can get financial counselling once you're fully onboarded, but as a recruit, certainly the problem of delays would exacerbate that.
I want to get back to that original question about the numbers coming in. What does that funnel look like? What's the drop-off rate? Certainly the shorter time frame would go a long way in solving some of the financial problems that I witnessed.