The CFIB feels that a voluntary supplemental CPP option would help by trying to provide some competition that would clearly be a very low-cost structure—the size and the professional management of the CPP investment fund. It's unlikely that any PRPP is going to match the breadth or depth of management expertise diversification or be able to manage that cost.
Mr. Jean said earlier that the government has introduced legislation to help increase financial literacy in Canada. We all believe that's a motherhood statement. We all want to see better financial literacy. Canadians are pretty busy working, getting their kids to hockey, and trying to survive on a day-to-day basis. Do you think the average Canadian, as a result of the government's legislation on financial literacy, is going to become a Warren Buffet or a Mark Wiseman? In all seriousness, is it likely that a piece of legislation on financial literacy by the federal government will turn Canadians into experts with the same level of expertise as professional pension fund managers?