Because of the GIS clawback and the fact that some GIS recipients actually pay income tax, they're in this overlap. They pay income tax, but they also get GIS. If they take $1,000 out of their RRSP, it's taxable; then it's clawed back at the same 50%.
If you put all those operations together with the GIS clawback, the paper I wrote.... I'm pretty sure those numbers were in the paper, but we just talked about the proportion who get little or no.... I don't think we put numbers on it; it's the chief actuary who did that.
You're probably reading from The Globe and Mail article from a couple of weeks ago, when I was phoned and asked out of the blue at the cottage what I thought about the chief actuary's paper.