Hon MICHAEL WOODHOUSE: Speculators—exactly. Never mind that a nest egg and repaying the mortgage on that is a very good savings scheme—very stable, probably as stable, if not more so, than business investments and the stock market. But now they're being called speculators. I just want to make sure I understand whether or not I have got my understanding of the Income Tax Act correct, because deemed intent seems to be the case for every other thing but this. 