Thank you for that question.
I agree that it is....
First, let me correct or add a nuance. Our mandate is to protect consumers, and we do it in two ways. Financial literacy is one way. It is a major focus of ours. Nobody knows better than we do the challenge of delivering an effective financial literacy program and actually achieving the outcomes that you say.
I would say that my reaction to the Auditor General's report is that it is a fair assessment and that it points us in the direction of the work that needs to be done. It's, quite honestly, not an unusual outcome at this stage, but we are finding over time, as I say, through our research and experimentation, more and more effective ways to try to improve those results.