Thank you.
Thank you very much for bringing your expertise to this.
I want to give Professor McDonald a chance to respond to some of what Ms. Hoeppner talked about, because in asking the question, it seems to me we're talking about poverty. We're talking about primarily women who are in a situation where they haven't a choice. They are low income. They have been caregivers. They're certainly not going to have a $5,000 tax free savings account.
I'd like your comment on that in terms of this notion of choices. It seems to me that is a rather affluent group of people as compared to the group we're talking about.