Thank you.
In an earlier session we had a presentation from the Canadian Hardware and Housewares Manufacturers Association. It made a number of recommendations pertaining to use of the RRSP savings and other tax credit measures to deal with housing, first-time homeowners' predicaments, and so on. What is your sense of those kinds of recommendations, and if we have to make a choice between a direct investment in certain targeted areas or a tax measure, what should it be?