The costs would have been higher.
The government recognizes the impact on the federal treasury to de-index the TFSA, thereby trying to minimize the impact on the treasury.... It seems strange then that there's some recognition that the impact on the treasury is significant and therefore it changes the policy of the TFSA—not indexing it anymore—but it refuses to acknowledge that the costs into the future are so significant as to limit the government's ability to do anything in terms of contributions to health care, infrastructure, and the like. It seems to be, in part, a recognition that the costs would spiral out of control, yet it is not addressing the main and concerning question.
In the budget document itself around this bill, who is it that puts together the construct of the typical family? There's a typical family that is used to give some sense of the taxation policies. The government has been using it for how many years. It's usually a family of four: a husband, a wife, and two kids. Is that correct?