Thank you, Mr. Szabo.
I appreciate your comments about the importance of the tax-free savings account. This is a huge reform. Over time, this will result in most capital gains taxes not happening, because people will be able to shelter money from taxes in their tax-free savings accounts.
I wish I could say that every time we bring forward a tax proposal it's perfect. I wish I could say the human condition was such that people don't try to get around and take advantage of tax laws. They do. And they do it virtually every time we bring in something new. Most Canadians, in fact 4.8—