Thank you for the question and for your kind words.
I think any idea that allows seniors to get better access to their investments is a good one. At the moment, there are many seniors being put into a position where their families and adult children need assistance. Therefore, if some funds could temporarily be taken out of the RRSPs, that would be useful. There are also some seniors who may not need to take money out of their RRSPs and RRIFs. This year, for those people, not having to take money out would enable them not to have to sell assets at the depressed levels. I like both ideas.
I will just share something with the committee, and this goes back to the concept of financial literacy. There are so many Canadians who make exactly the wrong decision at the wrong time. They panic about their investments and sell at depressed values, which is very unfortunate, but it happens every market cycle.