Thank you very much.
For Mr. Golombek, I liked the thrust of what you're saying, in terms of finding ways to help low-income people save. My question would be this. It's my understanding that the participation rate of low-income people in schemes such as the registered education savings plan has not been high, and maybe it's because by definition low-income people have less money. How do you address that issue in your proposal to favour higher saving by lower-income Canadians?