Thank you, Mr. Chair.
Thank you to the presenters today. It's a very interesting discussion. Of note, of course, is that we're at the consultation stage, with no registration written yet. Of course, we all recognize that the tax system is very complex and many, many pages long. I've heard many concerns over the last while about how the system needs to be fair, and it needs to be balanced. I think we all agree that it needs to allow for growth, and it needs to allow for retirement. Some people have raised concerns that the proposed amendments don't go far enough. I heard the points being made about how tax credits that I would think were designed to encourage growth for the company were being viewed as the way to plan for strategy for families' retirement. Now, I would think that the mechanisms that are in place, such as RPPs and RRSPs, would be something that would be used as they are by everybody else, but I'm hearing different things on that.
Maybe I could ask you to explain how you see that.