All right.
Judy, I have a couple of questions for you. You've mentioned a number of things that are very salient here in terms of our demographic time bomb. I think CARP has a lot of great proposals. I particularly like pension splitting, which is something I've been working on myself and which would be great to have this government consider.
I thought you were doing really well until the last minute or two of your presentation, when you gave us a few shots for cutting program spending. How on earth can we afford these just tax reforms for people over 50 if we don't trim program spending? Is it not a worthwhile thing for us to engage in?