I think it should be prospective, unless the government has a lot of money that it wants to give away. Don't forget that when the CPP started, people who were older got quite a benefit at that point. People should remember that. My father contributed about two years to the CPP and he collected a pension for something like 35 or 40 years. So if you do it prospectively, it doesn't cost the government a lot of money; otherwise your pension liability will go up tremendously. Again, the people who are never at the table are the young people. They're the ones who will have to pay for this. I think that's what we always have to keep in mind, that nothing is free in this world. Essentially I think that if we do it and say we'll do it for everybody above a certain age, that's very costly. Who is going to pay for it?
I will even tell you something that we have not discussed here. I think that the CPP should increase their retirement age. The expectation of life at age 65 is increasing a month a year. When we look at most countries, they've increased their retirement age. Canada has not done so, and I think that is something we should consider. I think it would be helpful for everybody in the long run.