Okay. This will be fast.
Kim, we've chatted with each other before, and there were a couple of things in your remarks I just want to come back to.
I must say, I like the format of the MNP submission, acknowledging the good work that has been done and recommending some thoughts about where we could take it further.
On the Canada training credit and your paragraph as to what can we do better, the post-secondary education piece, the other things I would note in there are the interest-free six-month period that was added in budget 2019 for students, which also helps parents, and the lowering of the interest rate.
You've used a couple of examples, including a business here in Ontario. I would just note that as we've moved forward with our interest-free period, Ontario has pulled its back. There is sometimes non-alignment between the provinces and the federal government. Where we take a step forward and a province such as Ontario has taken one back, it makes it hard for parents and students to figure out where their opportunities are. I want to mention that.
You also mentioned the housing affordability measures. You made a comment about parents and how parents often help with buying the first home. I'm thinking back to 15 years ago when we helped our daughter buy her first condo in downtown Toronto. She had some RRSP room from the work she had done as a student. We actually lent her the $15,000 to put in her RRSP so she could borrow it back and pay it over the nine years. It sometimes takes a bit of creative thinking, but that is a vehicle for parents to assist, which provides advantage to both the young person or first-time homebuyer gaining that advantage of being able to use the RRSPs.