A lot of people are not aware of the disability tax credit, and a lot of people who are have been talked out of applying for it. They're scared of it. They read about how difficult it is. They read about second letters going to doctors about medical histories, and they just don't think that they're going to be eligible and that it's going to cost them a lot of money to access it. That's one of the problems with the disability tax credit the way it is now.
When they first came out, RDSPs were not available at most financial institutions, and you could only get them at the retail banking level. The banks weren't that interested. The limit on the amount that you can put into an RDSP is relatively low for most financial institutions. You have a $200,000 maximum over the lifetime. Most of the investment houses are not really interested in that space.
In the last number of years, I've noticed more private client investment houses are willing to help wealthy families who have people in the family with RDSP eligibility learn about them and actually invest in them, but other than that, the financial institutions really aren't marketing the product. It's really left to the disability community to find out about it themselves. The grants and the bonds are [Technical difficulty—Editor].