Citizenship and Immigration committee  In terms of the average client profile, I would say, on the contrary, that there are still a lot of very good applicants, who have very good business profiles. As well, if I had to make only one recommendation, I would suggest that we increase the number of applicants admitted.

Citizenship and Immigration committee  I'll plead the fifth on that one.

Citizenship and Immigration committee  Indeed. There are even special programs, which we came to discover, related to certain industries, which make them very attractive. It's not necessarily the connotation that they have initially, which is interesting, but I think there's quite a story to be told there.

Citizenship and Immigration committee  That's for somebody else in the organization to respond to, but it's a fair question.

Citizenship and Immigration committee  I once heard that banks are a very big tax contributor, more so than most industries.

Citizenship and Immigration committee  Again, I personally I haven't experienced that in terms of the people we've dealt with. Life is life, and there probably is some abuse in every category. It's not something we have any statistics or experience with personally. My own view is that it's a foot in the door. Citizenship, as some of you may already know, is not an easy threshold to get.

Citizenship and Immigration committee  Yes. When you get approved, you get permanent resident status, and that's crystallized with the card. To maintain that status, hence to renew that card, you have to have demonstrated that you spent two years out of five in the country.

Citizenship and Immigration committee  Mr. Audet pointed to this. The main point, in our experience, that drives people around the world to contemplate such a big decision is children, children, children. So education and the opportunity that Canada provides in terms of their education is number one. It's a bit of a pyramid.

Citizenship and Immigration committee  I'm proud to say that at HSBC, hundreds of clients each year come to us. We explain the program and introduce them to one of our panel lawyers, who then mounts and compiles the application. We're still bankers. We let the immigration lawyers do their thing. As part of our package, which is on our website and in our marketing propaganda, we also give them a tax session so that they understand the tax implications of moving to a country like Canada.

Citizenship and Immigration committee  Not at all. The rate of wealth creation in India and China has never been seen before in human history, full stop. The number of millionaires being created on planet Earth grows year in, year out, constantly. And Asia is the driving force to that growth, but make no mistake about it, it's North America and Europe as well.

Citizenship and Immigration committee  It's also to help the client get assessed a little sooner, precisely because the fact that the person has money is an indication that it is serious. But in fact there are other changes that could be made, particularly to the federal program. We hope to take part in discussions in the next few months and specifically to address the question of the allocation of funds that go to the provinces, as you may know.

Citizenship and Immigration committee  That's right, exactly.

Citizenship and Immigration committee  Sorry--you were saying that one of us commented on temporary visas?

Citizenship and Immigration committee  I....

Citizenship and Immigration committee  Thank you, Mr. Chair. Now I understand the angle of that question. To be frank, it wouldn't apply for the investor category. Why? Because the investor category doesn't tie any terms and conditions to their visa when they arrive here. I think it's a brilliant idea to bring somebody in on a work permit and keep them on a short leash.