In regard to that, sometimes when you set up a new incentive, you're trying to figure out whether it would encourage more people to take it. Would it also lead to companies perhaps not taking it as often?
I guess I'm wondering whether, if this non-refundable tax credit were applied, it would it be enough of an incentive to encourage people who would not otherwise think of taking it to take it. As well, would it be a disincentive for companies that currently offer it? Would they say, “We don't have to pay for this anymore; you, as the individual, take it on”?