Mr. Speaker, there is no question about that, and I think my hon. colleague for Durham has put it very well.
There are a number of family-oriented tax incentives that the former Conservative government brought in that allowed families to, what I would call, pick and choose how they wanted to shape their life, how they wanted the tax system to best suit them, whether it was through the universal child benefit or, as my colleague mentioned, the fitness tax credit or the arts tax credit or income splitting.
As well, I had a constituent come to me the other day who was quite upset about the initiative by the new government to reduce the amount for TFSAs. He said he had a son who was earning in the low-income category, which our friends from the third party have referred to. He said that the tool allowed him to put after-tax dollars into a TFSA so that his son could have a reasonable retirement account, because he does not have a pension plan. This was a way that he could help his son, who could then manage that money and make it grow for him.
Therefore, I think a lot of this ability to control one's own destiny has been taken away.