Thank you.
Mr. Gillespie, I have a couple of questions for you. When you talk about the RRIF rules, how would you see that working? I think the chair in the last panel talked about the change in the age or a change in the rates. Do you see a preferred method to go about doing it that would be more beneficial to our seniors? Also, if you look at changing that profile, is there any concern about seniors maybe withdrawing too much and then being left in a predicament?