Mr Morneau:  If a physician starts work at 35 he/she is ~$150K behind in RRSP space.  How is this a level playing field? You are about to put in place a major disincentive for hard working physicians for working extra hours to save for their retirement in an already over burdened health care system.  This is irresponsible government. 

You have also not yet acknowledged that your colleagues in provincial government encouraged physicians to do this in lieu of fee increases. Failing to do so entirely removes your credibility, as does your decision to not restrict stock options.