Thank you, Chairman, and thanks again to our witnesses.
I'll be sharing my time with MP Tassi.
Further to the comparison between RRSPs and TFSAs and RESPs, and so on, I can clearly tell you that when going door to door in a priority neighbourhood in Saint John, if you asked people if they invested in a TFSA or maximized their TFSA they'd laugh at you. They don't have any money to put into a TFSA and that's why only 6.7% of Canadians maximize their TFSA.
Further to the programs that you're currently delivering, I'm wondering if there's ever been any thought to sending cheques out at different dates. I don't know if anyone can actually answer that. Often people in priority neighbourhoods would say to me, “It would be very helpful to me if I received my social assistance cheque at the end of the month and maybe the supplement or Canada child benefit in the middle of the month as opposed to all of it at once, just from a budgeting perspective.” Has anyone ever considered that? Do you have comments on what the cost would be?
It seems like a very simple thing. Again, a lady just said, “Look, I'm not the best at budgeting. I get it all at once and then I have 30 days to budget it.” What if you staggered it by sending cheques out in the middle of the month as opposed to the end? Are there any comments on that from our panel?