The potential role the federal government can play in bringing all these things together is in fact to help flesh out the vision as to where we should be going, and as I say, it really revolves around putting three things together. One is to move to target-benefit plans. Another one is to move the delivery to cost-effective organizations, and the third is to increase coverage way beyond where it currently is.
Just the idea--if we can get buy-in across Canada--that this is what we're trying to achieve would be a huge step forward. It gets rid of a lot of the noise, and it gives clarity to where we're going. The second question is how we get there. There are some very big challenges in how we get there, but I think if we know where we're going, we can talk about a vision of how to get there. The other thing that clearly is in the Ottawa camp is the Income Tax Act. There are certain things in the Income Tax Act that prevent the efficient generation of pensions right now. So that's an important role that Ottawa can play in that dimension.