Finance committee  Thank you. The specific outreach that we were focused on was the Canada learning bond, which is still a relatively new program. To date, the outreach has comprised a letter sent to eligible families and notices included with their child tax benefit notices. In conversation wit

Finance committee  I have one under the age of six.

Finance committee  It's actually an interesting question. Since the introduction of the universal child care benefit, we've seen a significant increase in the savings rates in education savings programs. We believe there are obviously families that are taking funds and using them towards that purpo

Finance committee  It has been a positive thing from our perspective for sure.

Finance committee  We believe there should be some limited protection of RESP assets. In fact, in amendments to the bankruptcy and insolvency legislation that passed in December of last year, there was limited protection afforded to registered retirement savings plans and registered retirement inco

Finance committee  I would certainly suggest that is a big part of it, yes.

Finance committee  It's an excellent question. In fact, the number one reason, when you ask them that, is because they don't have disposable income in order to save. That's the first reason. The second reason is that they might have other priorities.

Finance committee  It's an excellent question. Our view is that it's a matter of prioritization. When you ask people why they're not saving, they'll say they don't have disposal income. We believe it is a matter of priorities. If the education of your children is a top priority for you, we think

Finance committee  Thank you. I'm here this morning as the chair of government relations for the Registered Education Savings Plan Dealers Association of Canada. We recognize the important work this committee does, and we're thrilled to be back again this year to present our recommendations to bui