Mr. Speaker, I listened very intently to my colleague's speech, especially when he was talking about RRIFs and the new rules for minimum withdrawals under RRIFs. The question that came to mind when listening to that segment of his speech was why there should be minimum withdrawal rates at all.
If we look at it in a certain way, we can really ask that question. Is the government saying, by having minimum withdrawal rates, that seniors cannot decide for themselves how much they want to take out of their RRIFs in any given year? Does having minimum withdrawals not limit seniors' choices in some way?