Thank you.
It's difficult to have a brief response; it's a very complex issue. It's a good question, again.
We've looked at expanding the Canada Pension Plan. We can't do it single-handedly because the provinces are our partners in that. We did not get unanimous support from the provinces to expand the Canada Pension Plan at this time, and exactly for what you said: it is going to cost businesses and it's a mandatory deduction.
You talk about people who can't afford to save. Then you're going to demand that they take money out of their cheque before they ever see it.
We think this option will be good, and we are hoping that people will start young. Even if they put a few dollars away, it gives them a safe, well-protected pool