I appreciate both those comments, and I think they're both very valid. I remember Terry Toller, who did consumer education in grade nine, teaching how to do your income tax returns and skills that we never forget.
I want to get one quick question in. The one thing I am a bit confused over are the changes under Bill C-51. As I understand, they are just actuarial adjustments. So come 50 and your decision to retire at 60, 65, or older, it's not that there are reductions; it's that there are adjustments in terms of the equity since it's paid out over a much longer time. Could someone straighten me out on that?
Thank you.