Mr. Zive, the potential for more investment in long-term care insurance is an important one, and that's driven, as you said, by the demographic shift that is going on. In our family, my father is 91 and lives at home. My mother passed away a couple of years ago after a long bout with Alzheimer's. She was able to pass away at home because they had savings and were able to do that.
Are there ways, from a public policy perspective, to enable more people to save for the future? For instance, if there's a tax benefit for investments in long-term insurance, how can we make that progressive, such that not just wealthier people who have the money to invest but all Canadians can actually benefit from that? Have you considered how to make that more progressive?