Thank you very much, Mr. Chair.
I'd like to thank all the witnesses for coming here today.
I have a question I would like to pose to Ms. Drever and Mr. Macdonald, and hopefully I'll have enough time, Mr. Cunningham, to come back to you on a particular question.
The first question for Mr. Macdonald and Ms. Drever is in regard to what both of you feel. You raised a question in terms of how the government came up with the $50,000 passive income figure: What was it based on? I guess I'm just trying to get my head around perhaps the opposite, or if I could turn that question around a little bit, what would be the public good of a higher limit? Is it only of benefit to individuals? Does it promote economic growth? Does it promote savings among vulnerable people who would not otherwise save? I'm just trying to get my head around that.
Perhaps, Mr. Macdonald, you might want to start.