Mr. Speaker, I want to respond to my colleague opposite to the best of my abilities.
What, in my opinion, is problematic is that possibly the criteria used to approve people for credit cards are too permissive.
As a parent, I can admit when my children, at a particular time in their lives, were of age to obtain credit cards, they did so easily. Often, having them really encourages people to spend money.
Here is how I can see things. Since I was a teacher, I do not need to tell anyone that we constantly need to push the envelope to help students learn how to deals with various problems.
I continue to believe that, in each of the provinces—as there are doubtless an extraordinary number in Quebec—there are organizations responsible for providing information and raising awareness in various areas and, consequently, teaching people how to use credit cards wisely.