Mr. Speaker, I will give the hon. member a hypothetical scenario and ask him what he would do.
Let us say he was the head of a middle-class family with young or adolescent children and he wanted to save some money for them to go to university. Maybe he was given some extra money or perhaps his debt was finally paid off, although we know Canadian families are very much in debt these days. Maybe he had some extra cash around, perhaps owing to the Liberal child benefit when it is implemented. Would the hon. member put that money in his TFSA or would he put the money in an RESP, which would earn probably a 25% per year return?