With respect to the TFSA, the gap is one to ten. In income splitting, there is an impact in terms of the increase of wealth.
In the TFSA analysis document, you said the following. If we divide the incomes of the population into strata of 20%, the lower 20% will not benefit at all, whereas the higher 20% will benefit by 27%. Once again, we have a measure that promotes the concentration of wealth. At the same time, that will have an impact on the economy in general. Based on the OECD study, when wealth is concentrated, the economy does not do so well.