Mr. Speaker, I was worried for a moment that my friend was channelling his inner Donald Trump, but fortunately, he stopped after the drug test suggestion and did not go any further. It was interesting that he drew from some of my comments about virtue ethics that I have an interest in Ayn Rand. He might want to reflect on the philosophical differences between those two traditions.
More to the point, what I emphasized in my remarks was the choice we have between the mandatory and voluntary routes. We favour the voluntary route. What I said specifically about low-income Canadians is that the cuts the government made to the tax-free savings account have a disproportionate negative impact on low-income Canadians. I shared some of those numbers very clearly. Those who are of modest incomes are more likely to use tax-free savings accounts because of the differential impact of RRSPs, on the one hand, and TFSAs on the other. One of the stats I quoted was that more than half of those who maxed out their tax-free savings accounts are making less than $60,000 a year. I see the member shaking his head. I encourage him to go to fin.gc.ca. The numbers are there.