Thank you for the question.
I'll let Mr. Feeley provide more details after I've made a few general comments.
You raised an important point among many others that are causing problems. That's why we're asking for more time to conduct a further review and to find better answers to all your questions.
We know there's a major concern among students, who end up in debt at the end of their studies. They must settle and start a family, while planning for their retirement. However, they don't have much time left to plan for retirement when they finish their studies at the age of 35, and they need to pay off their debts and get their family settled. It's a major concern among many other concerns shared by our members.
I represent 86,000 doctors who are members, and 60% of those doctors are incorporated. These doctors have reacted in a number of ways, and our association must take this into account. We're asking the government to give us more time to answer such important questions.
Given the way our country is set up, we had described small businesses as the backbone of our economy. By making such quick and drastic changes, how can we be sure there won't be any unexpected and negative consequences? It's a bit quick. As you know, it happened in the middle of the summer, and people didn't have time to react.
I'll ask Mr. Feeley to answer your question in more detail.