We talked about poverty rates, about income replacement problems. The question is whether that will increase in future or whether the situation will remain the same. I think the risk is that the vulnerability of certain categories will increase as a result of changes. There's a decline in private coverage; there are fewer and fewer people whose employers contribute to the plan; so that's a problem. In addition, there is a switch away from fixed-benefit plans to fixed-premium plans, which could also ultimately reduce the financial security of millions of people.
There again, I don't have a crystal ball to see what the economic and fiscal situation will be. We didn't predict the 2008 crisis. There is a lot of uncertainty, but I think the shift away from a fixed-benefit system will increase the uncertainty, the insecurity in future financial crises. The next time should be even worse than what we saw in 2008, if we continue down this path and if we don't increase the protection offered by the Canada Pension Plan and the Quebec Pension Plan. I think there's a vulnerability that will only increase in financial terms, which could therefore also cause injustices.