The government decided, in its wisdom, many years ago when the RRIFs were brought in that given the fact that there were tax benefits that came along for people who had the money to contribute, there would be an end point to it, because the goal was not to preserve assets for inheritance; it was to provide, as I understood it, income for older people as they aged. The issue is, if a RRIF is to be wound up at 90, and women are younger and live longer, what happens to them if they live to be 95, 96, 97? For us that is an issue. We have a concern.
By the way, there is something, if I may add, that we have discovered anecdotally. Many men are not designating their spouse as the beneficiary, whether it is their CPP or their RRIF. We are now starting to alert women: you had better ask; you had better find out what your husband is up to.