Mr. Speaker, the hon. member is absolutely correct, not just with respect to the flexibility that is given through the tax-free savings account for younger Canadians; but it is ideal to take advantage of it because, the older one gets, usually the greater one's salary—there is an increase in revenue earned—and that point in life is the best opportunity to take advantage of an RRSP. That is 100% correct.
I am not sure why our colleagues across the aisle do not realize this. However, if they do not realize it, I can certainly see where the coffers of the government are going in the future.