We can agree that these are changes which are moving in the right direction, but is it your government's intention to undertake a more comprehensive examination of the entire issue? You are absolutely correct when you say that only 10% of pensions are paid by the federal government, but I am going to mention a case that will show you why we believe the federal government can play a bigger role. In Quebec, 90% of people deal with credit unions, Mouvement Desjardins and others, and not with chartered banks. However, the Canada Deposit Insurance Corporation guarantees deposits in credit unions as well as in chartered banks. It's the same system of guarantees.
Would it be possible to create a pension protection scheme that the provinces would have the option of joining, a bit like what is already being done with deposit insurance?