Yes. Thank you.
By the way, to all the people who've made comments about MS and its effect on people, personally I'd like to thank you for acknowledging that. I've been living with MS since 1993—I have my scooter here behind me—hence one of my reasons that I've been quite active on the disability tax credit measures.
The disability tax credit is a very difficult program for people to access, especially people with mental infirmities. You mentioned autism. It's not tangible or visible. You can't really measure or objectively quantify a disability that comes with a mental infirmity.
From my experience with the disability tax credit, the largest percentage of claims that are denied have to do with mental infirmity or developmental disabilities. I think there's a fundamental problem, and there has been since I was on the committee back in 2005 and dealing with mental infirmities and developmental disabilities. To have a tax system where the medical and disability-related measures start with a fundamentally difficult program—difficult to administer, difficult to access and difficult to understand—undermines the whole effectiveness of all the programs.
The RDSPs I think were a great addition to the financial options available to people with disabilities. Linking that with the disability tax credit was a problem, because not everyone who gets the disability tax credit continues to have a disability. What we found in 2017 was that a lot of people with diabetes were being disallowed the credit—and they had been allowed it before—because of some “advances in technology”. When the credit was disallowed, they lost their entitlement to the RDSP, and they were going to have to pay back all of the incentives they received.
That was what I meant by the uncoupling. Once you've received the credit, the benefits from the RDSP that you're entitled to I don't think should be taken away. Finance did listen to that, and the uncoupling was made to a certain extent.
I'm not sure if that answers all of your questions.