I know that. I know you're sincere in pointing out what you did.
I have to point out that I wouldn't agree with Ms. Crombie's assessment that it's immoral that the previous government set up this charter. I think we probably all agree it was the right way to go. It needs a lot of change. That's why we're all here, to see how we can make improvements to it.
I would like to ask you at the outset, before I ask you about individual suggestions.... And I like what you said at the very last, the permanent income allowance. There's something that should be looked at in that regard.
If the charter did disappear now--in other words, if the answer was just to get rid of it, because you had suggested that sometimes it would be better if it weren't there at all--what do you think would be lost if there was no charter, in terms of what you're presenting today? What would be lost that's available now?