Mr. Speaker, there are a lot of problems with this legislation, the most glaring of which the member highlighted in her remarks, that those who would benefit the most from the government's tax changes are those making over $90,000 a year, but that most of those who use tax-free savings accounts make less than $60,000 a year. On the one hand, the government is talking about the middle class but on the other hand it is helping those who are doing better than those making less than $60,000 a year.
Could the member talk a bit more about the value of tax-free savings accounts specifically for middle- and low-income Canadians, which really illustrates why the government's rhetoric does not match the reality of the bill?