I have an observation, not a question. I am not asking you to comment on it.
In my view, this is a fine example of how the current government addresses these issues compared to the previous government. The previous government studied small groups, whereas we are looking at the benefits for society as a whole in order to better support low income families, the families that need some help.
I would like to continue along the same lines as Ms. Rait with respect to family debt. Based on what you know about the issue, whether in light of the Canada child benefit or other tax incentives, what is the impact of an unexpected government tax credit on household debt repayment? Do families spend that money or do they use it to reduce their debt? Do you have any information for us on that?