All right, good enough.
Mr. Brooks, it's good to see you again. I haven't talked to you for a long time.
Mr. Brooks, when the Minister of Finance was introducing his most recent budget he said his tax-free savings plan was basically the jewel in the crown of this particular budget. You've just told us that this thing is going to cost billions, in your own words.
I think the minister only allocated $50 million in there as revenue that would be lost because of the tax-free savings plan. Can you tell us briefly why this thing is such a bad idea and will be so costly?