He had a lot more than one minute to ask his question, Madam Speaker.
On the first point, as I said at the outset, the tax-free saving account is not exclusively used by people with their annual income. It is used when major life events cause them to either have an inheritance or downsize their homes, because they no longer live in places where they have to climb stairs, and they want to put aside their money in a way that shelters it from high taxes by big government.
As for families, the previous Conservative government cut taxes by $30 billion, which the Parliamentary Budget Officer said overwhelmingly went to low and modest-income people who were better off and received more rewards as a result of their work. It is unfortunate that the Liberal government has targeted those same modest-income people with higher taxes and higher costs, a tendency that the Conservatives will reverse when we form government.