Well, I think the market will work. Financial institutions, I expect, will want to attract this business and will compete for this business, starting January 1, 2009, assuming the bill passes. That is when people will be able to start putting aside money in a tax-free savings account.
I was at York University the other day, and I can tell you that the students there--some of whom were business students, some of whom were law students--sure understand the TFSA. They know all about it, because they know what it will mean for young people. The amount of money they will be able to earn tax-free in their lifetimes will be staggering. In fact, we expect in the Department of Finance that over time, 15 or 20 years, about 90% of savings will not be taxed in Canada. We have the RRSP and now this TFSA vehicle. It's an historic change to encourage savings by Canadians.