Thank you.
Mr. Macdonald, this graph you've shown us just in terms of the maximization rates dropping off for all income sectors, even wealthy Canadians, in terms of the government crowing about its popularity, not only does it disproportionately help wealthier Canadians, but it seems to be becoming less and less popular, according to the government's own stats. The concern we have is the cost of this program as it's going out and its inequity. It tends to help people who don't necessarily need the help. What does this do for the savings rate so far for Canadians? Is it increasing savings? The PBO says it isn't.