Thank you. I think where we differ is your definition of popular and who is finding the maximum contribution. There's no disagreement that TFSAs are important in encouraging more, but if you can't afford to put in that maximum, then it's those who can afford it that probably need the savings least. That's the issue with that limit.
I have a question in regard to you saying the finance department's comments are wrong about the highest earners being the ones taking the full utilization of TFSAs. Have you studied this? If so, what is that report?