Could I jump in, Deputy?
Yes, a financial institution has to be an access point. Families who want to apply for a Canada learning bond have to open an RESP, which can only be opened with a financial institution. That has to be an access point.
For the families who have difficulty doing that, we have about 350 community organizations that we work with to help them open RESP accounts with financial institutions. Sometimes we hold events to bring in our partners from CRA, from financial institutions and from provincial governments to help them open an account. Sometimes they need to apply for a social insurance number, and Service Canada will provide a social insurance number on the spot. There would be members of the financial institutions helping them open an account to facilitate that, but it is true that the access point needs to be a financial institution for the RESP.