Sure.
On the first issue about sending out cheques to people, that is a failed policy. You can look at the American experience last year under the administration of President Bush and how they had anticipated a substantial stimulus in the economy by sending out cheques in 2008, and the anticipated stimulus did not result, because some people used the cheques to pay down debt and other purposes—and not to purchase goods and services. So I can assure the member that we looked at that policy in the preparation of the budget and we rejected it because it does not work well.
With respect to TFSA, the tax-free savings account, I'm not quite sure where you're getting your data. These have been incredibly successful; Canadians have responded by the tens of thousands. In fact, ING Direct sold more than 100,000 accounts in a matter of weeks.