Okay. Let me know when her microphone unmutes and I'll stop talking.
That is the other shoe that really hasn't dropped yet. We don't know what the impact is going to be until we see what's really going to happen to the markets over time. You can't really tell now. It's going to be a year from now.
When we look at where seniors are getting their income, among seniors who have income in addition to their basic government pensions, a lot of them are getting dividend income, so what's the impact of that? What is going to be the impact on some private pension plans? Are they going to reduce the pensions because their investments have made them unable to make those payouts? We don't know that yet, but I think we have to remember that this is still coming. You've heard me talk a lot about poverty amongst seniors, but there's also a group of middle-class seniors, and we need them to have an income because they're also paying for a lot of their health care needs.
I agree with Pat. The Canada Health Act is great, and has some challenges.
A lot of health services that probably no one on this Zoom call even thinks about because we can do them all ourselves become health services for people in the community and they have to pay people to help them. They need money to do that, so we can't forget that piece of it. Certainly initiatives around reducing the withdrawal amounts for RRIFs are all helpful for now, and we'll have to wait and see what happens to the markets.