Thank you. That's perfect.
I think this question will go to ESDC, on the credit bureau situation, with regard to some borrowers having their credit report or credit number impacted. At first glance, for these individuals going through university, taking on some debt potentially in the form of these loans and then finding themselves in a very difficult situation, we know how important the credit score is when you go to the bank and purchase a house, a car, and so forth. How are we looking at that from a holistic point of view? How is ESDC looking at the credit aspect of it?
Anybody else can chime in on looking at that, and also from the Financial Consumer Agency standpoint in terms of the education process.
We don't want to penalize youth right off the bat, coming out of university or college and finding themselves in a difficult position.