Thank you, Mr. Chairman.
Mr. Kesselman, I have another question I wanted to get to, but I did want to talk a bit about the capital gains comment you made. I just want to ask you how you would suggest we put incentives in place so that stagnation of capital doesn't occur. Certainly one could argue that the current capital gains laws actually cause stagnation of capital. We have investors who stay in high-risk portfolios because they don't want to pull their money out, to be subject to tax, and that's not good for employment. It's not good for investment into new economies, into new business.
If we aren't going to contemplate changes to capital gains tax to do what you're saying, to assist people to avoid past decisions, how are we going to approach this stagnation of capital? How could we better approach it?