Sure. From the point of simplification we believe that is a way of simplifying the tax plan.
On the RRIF withdrawals, we're addressing the concern that seniors will outlive their savings because there has been a tremendous increase in life expectancy since these rules were put into place. We believe the time has come to increase or reduce the mandatory minimums for these plans. I think either approach, as long as it did reduce the likelihood of seniors outliving their savings, would be fine. If I were asked to choose one or the other, I think the mandatory minimum would be the one to address.