Thank you very much to the member for Humber River–Black Creek for always being informative and helping us understand a bill like this and how it affects people. My question to you is—I know you spoke about this, but can you just explain a little bit more about the people who are most vulnerable to these kinds of malpractices when it comes to consumer protection? You know: seniors, for example; young folks. Can you explain how this bill could have been better to protect those folks?