A very comprehensive and easy to under stand set of scenario's. The sad thing is the ones proposing these changes clearly did not have an Adult sit them down and explain what this article just did. In Politics when you are explaining or defending then you have lost the argument. Morneau and the rest of the Liberal party did not understand enough to even develop a defence or lucid explanations. It will cost them as this talent pool is too shallow and we all know not to dive in shallow water . This subject is too deep for team virtue.