This is a case where, as you said, it's a very powerful tool for saving for the future. We looked at the impact. In the short term, it was fairly small. We started small but it increases by $5,000 every year. It's cumulative, so potentially the savings and the household advantage grow over time and the fiscal impact too. This was fully factored in at the time when the decision was taken about the impact.
I don't have the analysis with me, but what we found was that over the long period the impact was potentially bigger, but over 10 years it was fairly manageable because we were starting from nothing, so very small. This has been fully accounted for. Also, this measure was assumed to plateau at some point where people would max out a bit on the use of that savings tool. It was kind of plateauing at some point, as far as I remember.
Again, I am not the expert on that and I think it would be a good question for my tax colleagues who did the analysis at the time. It was a while ago and I'm kind of busy on some other budgets right now, but this is what I remember from that analysis.