I'll take a stab at it.
Ms. Amsden talked about how these things will benefit lower-income Canadians, in distinction from RRSPs, because of low incomes and the inability to use the deductions to save. But the other benefit these instruments have is the flexibility surrounding them, whereby you can save in your after-tax income, you can withdraw at any time, and you can replenish the funds over time as well. So there's a great deal of flexibility in the instrument that the RRSP doesn't have.
Yes, it's a small amount, rising incrementally, but somebody who, let's say, for the first few years, especially a younger person, doesn't take advantage of them will accumulate that annual contribution room. That benefit is coupled with the fact that it's likely that the allowable annual contribution will rise. Being able to put in that accumulated contribution means that these could be quite significant as a savings vehicle.
They are a little different from an RRSP, that's true, in that you invest in them in your after-tax income, but you don't pay tax on the way out and you generate the interest income, gains income, and dividend income tax-free in the account. So they are similar in that respect.
While there'll be a bit of confusion at the beginning, in the U.S. there are similar types of tax-assisted vehicles, and I think the public will adapt pretty quickly. As I mentioned in my remarks earlier, our industry is already seeing a lot of interest from Canadians in opening these accounts.
Do you want to add anything, Barb?