Thank you to all of our witnesses this morning. It's wonderful.
I want to start my questions with Mr. Cross. I have to say I enjoyed your op-ed in the National Post on April 22 about compressing the size of government. I particularly appreciate your comments in your presentation today about the tax and transfer system and how progressive Canada's tax and transfer system truly is. Perhaps we will study further your recent report on how taxes and transfers work in Canada. I'll certainly be reading that one.
I'd like to ask you specifically in this context, and feel free to expand within...you have a few reports you've written on this. I'm very interested in hearing, within the context of our progressive tax and transfer system, the importance of voluntary saving mechanisms and whether that would be a voluntary saving mechanism where I could choose to use a tax-free savings account, or I could now choose to voluntarily augment my CPP.
Could you expand on that briefly, sir?