I appreciate that guidance, and I am summarizing.
Suddenly today we talked about removing the piece that's not in the bill, in terms of the grant side, which I think even the Bloc folks would find not favourable, because I think it does go directly to help those who—It's an assistance top-up that wouldn't be there, I think, under this proposal.
If the concept is that it gets more lower-income people involved in the program—part of the bill is to make it pre-tax—I don't think that makes a significant difference. It would be interesting to see what the statistics are in terms of low-income families being able to afford RRSPs, for example. It's probably not as great as it should be, but it's because they have cashflow issues, and they need to make those cashflow determinations as a family to survive from one week to another. I think it would be the exact same argument on their RESP.
So I think the system we have now is fine. We have made some changes to it in terms of the amount you're able to contribute over the lifetime of an RESP, and I think that's really based on the cost of the education to which it has gone. That was part of the first part of the bill.