Finance committee  I cannot really comment on speculation on potential future changes like that.

Finance committee  Excuse me?

Finance committee  It is expected to cost $140 million in 2015-16 and a total of $670 million over the fiscal planning period.

Finance committee  Yes, it's usually a family of four, with two kids.

Finance committee  It's an illustration. There's no real reason.

Finance committee  Yes.

Finance committee  What I'm saying is that the Department of Finance has not analyzed, as of now, the effect on the savings rate.

Finance committee  Yes, it was 2009.

Finance committee  That's what—

Finance committee  The tax-free savings account has been designed to be attractive for specific individuals—

Finance committee  —and classes of individuals who, for instance, under an RRSP, may not have that level of attraction to savings. In that context, it's a nice complement to the different tools and different savings vehicles. The design of the TFSA is suggestive of that. This is something that would improve savings.

Finance committee  The TFSA has been extremely popular. There's now roughly a 45% take-up. We can see that adult Canadians of all ages and all income classes have opened TFSAs. It is extremely popular.

Finance committee  I don't have the numbers on RRSPs. RRSPs have been here since 1957, so we're comparing different systems.

Finance committee  Yes.

Finance committee  You would have to ask the provinces how their taxes are collected.