There has to be a safety net there, and that brings me to my second question. I'm going to ask Mr. Ambachtsheer about a safety net.
When you hear today about employers going bankrupt and taking the money before they go, and managers of funds taking 2% and more, it seems that others are getting the take on this and employees are left in the lurch. What if we had a system similar to the EI system, where employees put some in and employers put some in? I don't know if you'd have the government manage the fund, but you would also have a bit of insurance. Every company in Canada would pay into an insurance plan of some sort, so if one went bankrupt the insurance could cover some of that failure.
Are there any creative ideas like that in other countries, where they have something like that and everybody pays into it? You would have two things: one part where you'd both contribute, but also an insurance where the company would have to put so much money in. All companies across the country would have that fund that could be administered to help the plan that was not sufficient.