Thank you, Mr. Chairman.
I would just like to make one very brief clarification. RRSPs were mentioned earlier. The legislation will be very complicated. However, pension fund cuts also greatly complicate people's lives.
As regards RRSPs—the question was raised earlier, but it is important to understand the way things work—when there are returns, I take the money. However, if we are talking about my pension fund, the fact is that it is my employer who takes the surpluses by means of contribution holidays. So, there is quite a difference between the two systems, Mr. Hamilton.
I wanted to provide that clarification, because that simply does not hold water.