I appreciate that. I did want to just touch on a couple more issues in my time remaining.
I take both of your associations' comments very seriously on the national regulator. With the change in the position of the provincial government of Alberta on this, I think there could be an opening.
I did want to follow up, Ms. Amsden, on your responses to the questions with respect to conversion, moving the conversion from RRSP to RRIF, from 71 to 73, removal of the minimum annual withdrawal limit from RRIF, and the elimination of the RRSP/RRIF income from the GIS clawback.
Can you just make your arguments here for those recommendations you made to the committee?