Nice job, Mr. Del Mastro.
If I could interject for a second, Dan, it would seem to me that a lot of the families you're talking about helping here aren't using the RESP now. I have to ask. If you're given the choice between this model and that, then what about those who are using RESPs now? Why would they continue to use the RESP program that's there now if they could tax-deduct their contributions? Isn't there going to be an erosive effect on the existing RESP contributions, and have you done any projections or calculations on that at all?