Thank you, Mr. Chair.
My questions are mostly for Mr. Swedlove and Mr. Campbell.
You both suggested increasing the age limit at which Canadians could withdraw from their RRSPs, or would have to withdraw from their RRSPs, and you also both suggested that allowing a lifetime pension contribution limit would be better than an annual limit. One of you pointed to the U.K. as an example.
I'm just wondering if you could unpack what some of the implications to Canadians and to the government would be if those changes were adopted.