Can I add to that? What we see with a lot of families is that they don't necessarily have $15,000 of tax-paid money sitting vacant. They might have their money sitting within a registered vehicle themselves.
If you'd had your money sitting inside an RRSP and did that, you would have had to pull closer to $30,000 out of your RRSP to give your daughter $15,000 for her to put into hers. There would have been a tax hit of $15,000, and you would have also lost that room forever within your RRSP.
What we are saying is that it would be great if, while we're looking at the first-time homebuyers plan, we actually allow parents and grandparents to access their RRSPs to help their children and grandchildren, because we know that the cost of buying a house is very significant.