Thank you, everybody, for coming and presenting to us today.
We definitely have some interesting times ahead of us. Part of the challenge I keep hearing, even with the previous panel, is that when we're looking at statistics, those statistics don't really tell the whole story.
For instance, Mr. Veall, you were saying that OAS should be raised to age 67. The folks I'm meeting in my riding can't do that. They can't wait for age 67 to get their OAS. They can't wait to get their GIS. They're so much behind the eight ball that if we were to delay that, it would cause serious harm.
I know you've done a lot of research on that. I'd like to know more about retirement planning. You talked about TFSAs. I think you're onto something with saving RRSPs versus TFSAs and how that works. The challenge comes back to the fact that a lot of our up-and-coming seniors just don't make enough money to save, period. You've done some research, so could you shed a little more light on that please?