Mr. Wallace, as a father of five children, I declare my conflict of interest right away.
I am not proposing that, nor does the bill propose that. I am simply suggesting that should this pass—and I believe it ought to—it will have two effects. One is that it will get a larger number of people contributing, and a larger number of students who can potentially take advantage of this. It will do tremendous work for the economy. More importantly—and this is something on which others can maybe comment—it won't require the same incentive.
The 25% proposed top-up is really to get people to invest after-tax dollars, for those who can. Clearly, between pre-tax and post-tax, you lose a lot of potential contributors. That's what the bill is trying to address.