The last question is an intriguing one. How do we help the people who are in desperate need today? Things such as the tax-free savings account don't really do that, but as the last speaker mentioned, what they do is allow people to look after themselves with as much dignity as we can provide.
As I mentioned in my presentation, a person can have what appears to be a substantial amount of money, but if we look at it as something that's going to last their lifetime, that's really not the case. If somebody has $40,000 or $50,000 in a tax-free savings account and that money is going to have to last a decade or two, it's really not that much per year. Giving people the tools that allow them to look after themselves is, to my mind, completely consistent with the objectives of the committee.
One thing that resonates with me is the idea with regard to people with disabilities. When it comes to innovative solutions, one thing I would put on the short list for that is taking a strong, hard look at the registered disability savings plan and making it something that is more accessible. I've been doing this work since long before the RDSP was around—it's a relatively new program—but I have had only one client who has ever been able to utilize it. The reason is that the plan is just not terribly functional right now.