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John Smythe's Submission in Response to Finance Canada's Regulatory Framework for Federally Regulated Defined Benefit Pension Plans consultation:

The rules governing "Locked in RRSP's" should be changed so that these RRSP's are treated as all other RRSP's and the withdrawal of the funds is up to the registered owner. The cost of administration for the owner would be reduced and investment efficiency would increase as these could be combined with other RRSP's. Also, these funds belong to the owner and should be available as needed.

John Smythe