I'll just comment on the tax credit, and we did address the committee as well.
I'm quite concerned about it, because the way it's set up, people have to spend the money in advance and then get a refund for it through the credit system. To me, that means we're going to increase inequities in the country. Low-income families are not going to be able to put out $500 in the beginning, especially if, let's say, they have four children, and then get a credit at the end.
I'm concerned that it will be most used and most advantageous to middle-class and higher-income earners.