To be clear, on long-term care there are many different ways that you can deal with it. We believe that any incentive that helps Canadians save for long-term care would be a good solution.
Our solution revolves around using the RRSP as an avenue to help people fund, because long-term care is part of their retirement, typically. The idea is to take money out of an RSP, similar to a homebuyer's or a lifelong learning plan, that they need to pay back over time. It was a similar approach as exists under the current regulations, and long-term care insurance, of course, is only payable if you can't do two of the six daily functions: transferring, toileting, all those kinds of things.
We want people to use some of the savings that they have for retirement and refocus it to saving for their long-term care costs.