We do think that was a good reform. It's a reform because it provides tax-assisted savings vehicles for a variety of reasons. We have an RRSP that was originally a retirement savings plan and we've made a number of modifications to it to enable people to save for a down payment for a house and all of these things.
The TFSA, by its nature, is very flexible. It's very good for lower-income families that don't have the high marginal tax rate and may find if they save in an RRSP that it's going to be taxable income when they draw it down and it's going to be clawed back.
We also like the TFSA in regard to the fact that if you take money out for a particular reason, you regain that tax room. It's a very flexible, very profound, and large reform to the tax-assisted savings vehicles. Let's see how it works out. Maybe future reforms should be directed at the TFSA.