Thank you, Mr. Chairman.
I'll be brief. I have a question for Dr. Smith on the dental piece. Some of your colleagues came to see me yesterday to talk about the opportunity for a deferral--I don't like the wording of it--the PWIF, but a deferral program. There was a little bit of confusion.
Does your organization expect that the individual paying into it would never pay tax on that money, or would it be like a regular RRSP where, once you take it out, then you pay tax on it, assuming you're in a lower tax bracket?