Of course we do. All around the table we know that.
Having said that, I really like the problem solving kinds of ideas that you have. I've run a business myself and this makes a lot of sense.
Anyway, the second part of my question--I'll direct it to Carole, if I could. I'm very interested in what you said in your presentation about young women with a lack of education and lack of credit ratings. Sometimes they get married and sometimes they don't, but often it's much more difficult for them, if they want to buy a house, to qualify for that house.
Could you give us some suggestions of things we could do as a federal government to make sure these young women have the kind of wherewithal they need to get this information and to be looked on favourably when they go into a financial institution?