Thank you.
As I was saying:
Clearly, geared-to-income fiscal benefit programs provide valuable financial assistance to families, but these benefits can result in low-income families facing...high [marginal effective tax rates] and [participation tax rates]. Federal and provincial policymakers should pay special attention to these effective tax rates when they consider changes to the tax and transfer system.
I'll continue:
Tax benefits are government payments to individuals. The largest are old age payments to seniors and benefits to families with children. Childrens’ benefits play an important role in the reduction of child poverty by providing income support to low-income families. For example, a low-income family of four with two...children in Ontario stood to receive over $20,000 in federal and—