Mr. Speaker, I spent four hours yesterday evening answering questions, and some from the hon. member. I am happy to do it again and repeat the answers I gave before.
The TFSA is a wonderful way for Canadians to save for their first home, for their education and for their retirement. That is why 11 million Canadians have TFSAs, the vast majority middle and lower-income Canadians, with 60% who have maximized their contributions earning less than $60,000 a year and those earning $42,000 represent half of those who have accounts in TFSAs.