One of the great success stories over the last decade is the increase in the uptake of that program. Individuals have to open accounts, but we have had, through a whole bunch of efforts—nudge methods, mail-outs, other forms of communications—a big increase in the program.
One option that has been mooted is a kind of reverse-onus position whereby, rather than requiring individuals to set up an account for their kids, you might have a situation in which, if that low-income child were going to university, they would automatically be able to access the resources.
That's not a policy that's been pursued to date, but if one wanted to maximize availability, this would be the way to do it. There are going to be limits to what we can do even for RSPs or RESPs. How many people are willing to take those up and set them up themselves?