Sure. Thank you.
I think the financial literacy workshops that you're doing are so important. I think that is a key skill that is needed across the country, particularly the work we do with young people through Futurpreneur Canada. I'll tell you that we work with 18 to 39-year-olds. We do a character-based loan program, and we do look at credit scores and we are quite flexible. One of the key things that we see, and we have those early conversations with young people about credit, is that there tends to be a lack of knowledge, understanding, and in some cases, even confidence around what that means, and the impact that it has.
So the short answer is, absolutely, saving money is critical. We really do try to teach those skills when we interact with young people around the importance of saving money and the importance of establishing credit, the long-term ramifications of that, and the benefits, too, if you do it right. I think the financial literacy and saving money piece is very important.