Okay.
The other thing I'm very curious about—and as a chartered accountant I practised tax for a period of time—maybe I don't understand what you're saying but you are saying that there is a huge loss to the treasury. The way I understand it, we have two tax saving models. One is an RRSP where you're making a lot of money working at your university and you probably have an RRSP that you can put money into at your highest tax rate and then you take it out way down the road when you're much older. In fact, you're required to start managing that plan at age 71. The tax consequence to the treasury is quite a lot greater because you don't pay until present value of money has had significant implications. When you talk about the tax implications of the TFSA, have you done an equal or converse study with the same questions about the impacts on the treasury regarding registered retirement savings plans?