We have in fact conducted three surveys over the last three years with Canadians from across the country and in fact have learned identical findings to those of Mr. Mintz. In fact, we've identified those earning under $35,000 as being literally incapable of taking advantage of certain investment devices such as RRSPs and tax-free savings accounts. I think it was iterated in one of your earlier presentations about how that group of people needs to be dealt with, and possibly more expediently than other groups, in fact.
One of the concerns that we often have when we discuss the whole issue of retirement and pensions is we tend to muddle up employer-sponsored plans. We don't differentiate between public sector and private sector plans. We lump CPP and old age security in there. Basically everything is thrown in there. One of the reasons why we prescribe taking the time to understand it is that all these subjects essentially have to be studied at the same time so that they can be compartmentalized. Otherwise, this is where we run the risk of doing things without considering the knee-jerk reaction in the other areas.
I'm long-winded, but I would echo the findings of the report you cite.