Thank you, Chair.
It's a great question. Certainly business owners can utilize the RRSP system for contributing funds to their RRSP for their retirement. However, when you contribute to an RRSP, you lose flexibility if one of the goals of holding the money inside a corporation is for future expansion or working capital. It's not easy to just take the money back out of the RRSP at that time. Many business owners do make the decision that in lieu of an RRSP, they will do what I would call a corporate investment strategy, which is really multipronged. Part of it is for business growth and part of it is for retirement, but it's primarily a flexibility issue. It works better in some situations.