Family income is taken into account in taxation, but that involves other limitations. In my opinion, income splitting for someone earning a lower salary does have advantages. However, even as far as refundable tax credits are concerned, we must remember that more and more people in the labour force are under the low-income threshold established by Statistics Canada. In order to obtain a refundable tax credit, you first of all have to pay. So there is also this problem when you are dealing with inadequate income. For example, some people who work on call do not have the money to buy a metro pass.
The labour market is becoming increasingly precarious. I recently had to use the services of a health care agency. In order to earn a decent income, the person who came to my home had to be registered with three agencies, and be available seven days a week, both day and evening. Job precariousness makes things difficult. For example, when it comes to transportation, you also have to work at the source. You cannot ask people with no means to pay in advance. When they are unable to pay for certain expenditures, they use credit. If they have to borrow in order to purchase a metro pass—