Thank you, Mr. Chair.
Thank you very much, everyone, for being here. I appreciate your presentations.
It's interesting that we heard one of our members repeat something I've hit on a number of times, which is basically targeting efforts where the need supposedly is. Mr. Frank, you hit that nail right on the head. You talked about the use of that $1.5 billion and putting it into a situation where it may be more effective.
Ultimately, when we look at statistics that suggest that 1.1 million Canadians don't have any type of plan, and that up to 3.8 million Canadians are either not aware of a plan they could have, don't have the funds, or choose not to do it, we see that roughly 10% of the population of Canada don't have access to it.
On putting that $1.5 billion toward that population, I wonder if you could expand on where you think that might be of great value.