In the TFSA analysis, we tried to do the distribution allowances relative to income, relative to wealth, and also relative to age, and our conclusion was that overall most of the benefit of the TFSA over time, in the long run, will go to the middle and middle-high income group. But when you compare it on a wealth basis, then certainly those who have more wealth have more financial assets to put in TFSAs, so obviously the potential benefits for those people are much higher certainly.
