No, I heard you. I'm a little surprised, because the whole point of the program is to increase the savings rate of Canadians. This is not a complicated analysis to do. We can look at the savings rate.
The PBO has testified in front of this committee that the savings rate of Canadians has not changed since the introduction of the TFSA. People are simply choosing vehicles, switching money from one savings vehicle to another one, but the overall rate has not changed. This is not a complex analysis. I'm surprised that, if it was the intention of the program, the department wouldn't have assessed that impact.