Thank you very much, Mr. Chair.
I want to continue in the vein of Ms. Bradford's questions related to the Canada learning bond. We have some information here related to the deplorable uptake rates for that program. As Ms. Bradford mentioned, it's a seemingly good project for a lot of folks, but there seems to be such little uptake. She asked about the reasons for that, but I want to be a bit more specific on that question in relation to the kinds of folks who are accessing the program.
I'm guessing, largely, that the folks who are accessing this program are accessing it by way of financial institutions. I'm not certain if a member of the CRA or ESDC can mention what the typical access point is for this benefit.