Thank you, Mr. Chair.
My first question is to Mr. Alexander.
At the beginning of your comments you mentioned the tax reduction for the middle class and the good things—the $3.4 billion, the stimulation, etc.—and you said it is also good timing, because people now have a higher debt load than ever before. Then later on in your comments you talked about the reduction, or taking the TFSA levels back to the $5,500, and said that more people could maximize it than the finance department is saying.
How can you correlate saying that the average Canadian has some of the highest debt loads we've seen with saying also that they're able to save more than ever? You somewhat contradicted the finance department's testimony yesterday in which they said it was about two million Canadians who are utilizing the full TFSA amount, and of those two million, it's the highest-earner spectrum. You contradicted that.