I apologize, but I will have to answer in English.
First of all, I would say that the worry about solutions, and that's very carefully defined here, could result in just shifting the savings from one pot to another. When we looked at the issue--and I'll come to the TFSA in just a moment--we did some examination of Statistics Canada data on the financial security of households. We looked at it over the whole life cycle.
As you know, the financial needs of families change dramatically over time. If a solution that's put in place has mandatory or virtually mandatory contribution requirements, for instance, that are imposed upon people at a certain point in their lives, there's a concern. For younger people, let's say, who need their lower levels of income to apply to household needs and to building up this asset and that asset, the concern, unless it's very carefully thought through, is that you could actually be working against their interests. That's just one of the issues.