Mr. McCallum asked you a question about the take-up of RESPs for low-income folks, and I guess I'm not as optimistic as you are with respect to low-income people picking up on a plan like this.
I'm glad to see on item number two that you noticed the Conservative proposal in the campaign of this cycling around the capital gain is just administratively impossible. I think it's a better idea, and I don't know whether it's a good idea, but it's a better idea to just create a lifetime exemption. I think that's probably administratively a lot simpler.
I agree with you on increasing the limit on the RRIF age. I think 73 is a little aggressive; restoring it to 71 would make some more sense.
I have a question with respect to your fourth proposal, which is the GIS clawback. I understand it from the GIS recipient, but on the other hand it's difficult for me to understand how you would take a chunk of cash that a person has saved over a lifetime in an RRSP, which is essentially tax-postponed money, and then when it comes to being withdrawn it effectively becomes tax-exempt money.