As I said, I think looking at these specific strategies is not that instructive to get to these broad results. What we find is that for high-income individuals for instance, in order to maximize their retirement income, they would need to invest anyway in their RRSP, for instance. That would be optimal for them.
It's very unlikely then that these individuals, given that it's not optimal, would only invest in a TFSA throughout their whole life and rely only on that for retirement, and then collect a GIS. What our analysis is concluding is that it would not be optimal anyway, so we don't project that this would be significant, that very wealthy individuals would be on GIS.