Instruct: Classify the given comments as either toxic or not toxic
Query: "For passive investment income to provide an advantage over and above what is available to every Canadian through RRSPs and TFSAs, a business owner needs to earn more than $150,000"

I find it very disingenuous for the Minister to make such misleading statements. He knows that Small Business Owners use their business savings as both the emergency fund for the business and as their retirement savings. If a business owner pulls all the savings out of the business and into a personal RRSP, that money is no longer available to the business to get it through a downturn. Small business owners really do put everything into their businesses, including using their retirement savings as the businesses emergency fund. 

This is such manipulation of fact by Morneau