I think the idea behind the tax-free savings account is to provide a flexible savings vehicle that would be a benefit to Canadians at all income levels. As I mentioned in my remarks, I think an important feature is that what does benefit low- and modest-income individuals is the exclusion of both investment income earned in TFSAs and withdrawals from TFSAs for the purpose of calculating income-tested benefits, whether it's the guaranteed income supplement, the CCB, other income, or generally provincial income-tested benefits, as well.
I guess the question that can be asked—with the impact or the ability of low- and modest-income individuals to use it as a savings vehicle—is whether that is sufficient under an annual contribution limit that's now been restored to $5,500 and indexed, or one that's $10,000. It could be the case that the lower limit is sufficient for the majority of low- and modest-income individuals to save in that way.