Thanks, all of you, for your presentations.
Because of the limited time, I'm going to focus strictly on the decision to cancel the transit pass credit. With all due respect to the other guests, I think Mr. Dusseault is going to ask you some questions, whereas I have have a couple for Mr. Rivers.
If I heard you correctly, your study indicated that most of the benefit of the credit did not got to the low-income category, but to the medium- to higher-income category. Now we hear a lot about the middle class, which we can't really define, but it sounds to me as if this is a tax increase on the middle class. Is that fair?