Mr. Ball, you said there was a growing disconnect between what the government is saying and what it is actually proposing, the meat and potatoes of the proposal, like section 246.1, which deals with CDAs, capital dividend accounts. There are other sections that others have mentioned, such as the section 88 and section 84 proposals.
Why do you think that rhetoric has diverged over time for the last few weeks? Also, what are you hearing from your members who are tasked with providing advice to their clients in this interim period? Obviously, people have to start planning right now for what may happen in the future. What are your members hearing, and what are they saying to you?