Thank you.
I should say, in fairness to Mr. Brison, that he did e-mail me this morning. He took off from Halifax but the plane could not land, so the entire plane went back to Halifax. In fairness to him, I should point out that he certainly did make an effort to be here this morning.
I do want to raise a few points.
First, Ms. McCormick, you talked about the Canada education savings grant and the RESPs. It's true there has not been as much take-up as one would have hoped, but the issue is that there are a lot of people who have invested in these programs.
So very quickly, if we do wrap these up, how would your organization suggest we respect the investments people have already made in these programs?