Sure. In terms of the difference between the RRIF and the RDSP, I think you have to look at the basic structure of registered disability savings plans. It goes a little bit into the 3:1 proportionate repayment rule.
When the RDSP was originally designed, it conceptualized that there would be three phases. There would be the phase up until the person is 49, when contributions are made to the RDSP. Then there would be a kind of savings phase from 49 to 59. Then, from 59 or 60, to provide for the long-term care of the beneficiary of the RDSP, it would go forward from 60.
That recognition of ages 49 and 59 and the three phases have always been part of the basic design of the RDSP. In fact, that's why there was what they called the “assistance holdback amount”, so that if you made a withdrawal from an RDSP, you had to repay all the Canada disability savings grants and Canada disability savings bonds that had been paid into it in the last 10 years.
The expectation is that you accumulated up to 49 and you earned investment income until 59, and then, when you started drawing down on that to support your needs, there would have been no grants or bonds paid in during the prior 10 years.