Mr. Chair, I'll start with the simplification question first. Across the proposals I have in my remarks today is a common theme that we are raising, and that is creating neutrality for financial products and allowing Canadians who save not to be overly taxed in one product relative to another, or one type of program relative to another.
From that point of view, what we are asking for is simplification of commonality of tax treatment. We talked about three specific areas with the reform of registered plans, the—