Thank you very much, Mr. Chair.
I want to thank the witness for coming forward and making an excellent presentation.
I forget which witness came before the committee and spoke on the tax-free saving account; it might have been Ian Russell. But I understand your statement is about the fact that maybe the government should treat it like an RSP. Right now, a lot of my constituents are having some confusion about what exactly this is all about. It's very minimal money—we're talking about $5,000—and we really don't know what the benefits to people are, and it's not set up at all like an RRSP.
There's a little bit of confusion, and I don't really see what the benefits are. Maybe you could explain to us what you think is putting value to this.