Thank you, Madam Chair, and thank you, Professor Philipps and Professor Lahey. Your expertise is absolutely invaluable.
I have so many questions. The first, Professor Philipps, is that you said the tax system was not adequate in dealing with issues of low-income people. If not the tax system, would national programs be more effective: a national housing program, a real national child care program, effective employment insurance, and a child tax credit that wasn't clawed back?