Thank you, Mr. Chair. Thank you to all the presenters for your ideas and suggestions.
Of course, under our fiscal situation we're looking for ways to save money, not necessarily to spend money, but I was captivated I guess by a few of the suggestions that were made this morning.
I'd like to start by asking the Investment Funds Institute of Canada some questions. You've put forward some ideas that we've looked at, at length, in this committee earlier this spring: changes to pension income and providing some equality or fairness between registered plans and RRSPs and other such methods.
As I've read in your supporting documents, you have five different recommendations, and I'm wondering, as a beginning, if you had to choose one, which one would be your most important?