I'd like to ask one other question.
You mentioned the TFSA. Obviously, we disagree on whether an increase in the TFSA was the right thing to do or the wrong thing to do. I want to prod a little more on your example.
Would you say it is possible over a five-year period that if someone invested their lifesavings into a home and through no fault of their own—they made all the right decisions—five years later that house could actually be worth less money than what they paid for it?
If you have a TFSA and you went for a guaranteed income certificate in that TFSA, is there any chance that five years later it could be worth less money than what you put into it?