Thank you, Mr. Chair.
I want to thank our guests for being here, particularly our guest from Paris, because I understand it is relatively late in the evening there.
Let's put on the table what we've been hearing over the last little while on these pension meetings. One option is supplementary, adding to the CPP, in terms of contributions from the employer and the employee to basically double that. The second option is a voluntary addition to the CPP whereby individuals can decide whether they want to partake in that, which I don't see as being any different from the individual deciding to invest in an RRSP, to be perfectly honest with you. The third option we're hearing from the private sector is to deal with having the private sector take a more robust role, multi-employer plans, and so on. They want an automatic enrolment program so they get everybody's money. Then there are the costs associated with that. Those, in a nutshell, are what we've been talking about.
I want to ask Mr. Whitehouse, from his experience and knowledge of what's happening around the world in terms of the administrative costs of a voluntary plan over a non-voluntary plan... I know New Zealand has made some changes recently and added a pension plan; I know the United Kingdom has had some issues. What are we seeing happening elsewhere as we do our study on this pension issue?