Thank you to everyone for coming and giving input.
Mr. Brain, you talked about the RRSP, the tax-free savings account, and other programs. You have worked in financial services for many years with other customers. While there are people who were unable to put money into the program and people who are unable to save the money, you also told us that half of the population of Canada are those who are living from paycheque to paycheque.
In this situation, what it is your advice to them? What are the solutions for your customers who are in such difficulties? Can they put money into the savings programs? What is the best course for these people? Please explain this to the committee.