I suppose I'd like to start with Mr. McTeague. I think I understand the intent of the bill, which is to help students and assist with post-secondary education. That said, there are a number of ways to do that. This is one vehicle of many.
We know that RESPs have risen to about seven times their value of nine years ago, now sitting at roughly $18 billion. It would seem that this vehicle is working. In your view, why do we need to look at changing this program? It appears to be working well.