Okay, thank you.
Anyway, we certainly could do better. We need to have a strategy. I agree with your recommendation.
My next question is for Mr. Russell, on pensions.
I think pensions are a huge issue and will become even bigger over time with our aging population and the various inadequacies of our system. I don't necessarily disagree with you, but I'm wondering if your recommendation of a lifetime pension allowance--tax relief on that--would do very much.
I don't know the exact number, but I think about 90% of the room that Canadians have for RRSPs is not used. Do you think your proposal would make a big difference in terms of Canadians' ability to prepare for their pensions in the future, their income while in retirement?