Thank you, Mr. Chairman.
I'd like to quickly respond to my colleague and friend Mr. Dechert by saying that the example I gave was that of a professional. In most provinces, including Quebec, professionals, for the most part, cannot incorporate. So, the example given was that of a person using his or her own personal card. The same thing would apply when a person buys RRSPs with points. Again, it is a tax advantage that is granted and a net loss for the economy in general.
I would like to give Mr. Scholnick and Mr. Ware an opportunity to speak because I did not get an opportunity to ask them a question earlier on.
We'll do it in the language of Shakespeare instead.
I want you to tell me where the $2 came from to give to my lady with her shopping cart. There seems to be a little bit of what we'd say in French pensée magique here. We have our two ladies in the Scotiabank ad walking out with their shopping carts. One of them is boasting that she just made two bucks off her credit card. I suggest to you that they both paid a buck in more expensive groceries. But maybe you can set me straight and tell me where that money came from.
Mr. Scholnick.