Great. Thank you.
Just quickly, Ms. Cutler, CARP is recommending pension splitting. I think you're saying the QPP and RRSPs can already be split between spouses. But shouldn't that start earlier? Shouldn't it start where all families should be allowed to split income, if need be, so that when you do get to retirement it's not an issue any more? Why should we just be looking at people over 65 having that benefit?