Thank you.
Ms. Raitt, you're absolutely correct. The mix matters. It's important for workers to have that CPP that will be there no matter what. You'll have it until you die. The problem with the TFSA is that you can run out of money, but with CPP you can't run out of money. If you have that mix of savings vehicles, then you have that security for workers.
You're right. You're encouraging savings. My husband and I saved up for a house in a TFSA. It does makes sense to have a mix, to look at workers, and to look at what services we're providing to people with low incomes. Your point is absolutely well taken.