Absolutely. I think there is a need--and I think it was mentioned here before--for some financial literacy among our whole population as to what it costs to prepare for your own retirement. As also has been mentioned, nobody starts to think about this until it's too late, really, to save up enough for your retirement. However, the calculations are there and we do sample our members. We sent out an e-mail to some 80,000 members, and some 3,700 people responded. They all indicated a need to have retirement income of 70% of their pre-retirement income. They understand that, but they were only prepared to put up 10% of that income in order to save for it, and the math doesn't work. You do have to come up with close to 18%, which is currently the set rate for RRSPs as well.
It is a tipping point. People are not prepared to put more aside for their retirement, and it is a level at which we need to be able to construct a pension system that will provide them that retirement.