Thank you.
To the Canadian Bankers Association, I've been working with the document of August, particularly in the area of personal income tax measures. Delaying the age at which RRSPs are converted to payout mode like RRIFs, and I guess combining that with the second one, adjustments or elimination of minimum annual withdrawal amounts from RRIFs in view of the lower investment returns because you're taking them out of one instrument that may be all consolidated in something, how does this tie into the objectives of the government to address the deficit?