Thank you very much, Mr. Chair.
I want to finish up that last portion, related to the barriers at financial institutions, to get the Auditor General's comments on record.
We've heard, of course, from some of the folks at CRA and ESDC. Thank you for that contribution. I think it was a really clear answer for me to know that you must do that work within a financial institution before you access the Canada learning bond, which is evidence as to why there's a significant barrier.
It leads me to think of the people who can't access financial institutions. We saw in Vancouver, just two years ago, a high-profile case in the news of discrimination at financial institutions, bodies outside our regulation. There was a 12-year-old girl with her indigenous grandfather, and she was going to open a bank account for the first time. She is still traumatized today. What happened is that the bank called the cops, and these two people were removed from the financial institution, and that young, 12-year-old girl was arrested for no purpose. That is a reality in Canada today at our financial institutions. When I talk about the need to understand barriers, that's a real thing happening in Canada. They are a real family we know of in Vancouver, and it's a real issue.
When we're looking at these barriers, in particular to the Canada learning bond, is it appropriate to be utilizing oftentimes private sector corporations to do the vetting for us?