What we're considering is that we're operating in an environment where we have scarce resources and we're trying to see how we can maximize those resources to make post-secondary education as affordable as possible. For a lot of these credits, students can claim them once those fees have been paid, so they don't necessarily come at a time when students require them the most.
To give you a comparison in terms of numbers, in 2006, which is when we have some of the most comprehensive data on what was spent on tax credits, the government spent $1.44 billion on tax credits, and the same year lent about $1.92 billion through the Canada student loans program. In our opinion, it would be much more effective to be using the money that is going back into tax credits, when students don't necessarily need the money—