Yes, there are several reasons it's in our submission. Number one, it's just the demographics. This provides more time for people to put money away. The government has extended the mandatory date for concluding CPP contributions, I believe, from age 68 to 70. We're now saying to provide the option to go to age 75.
You mentioned work displacement, that some people find it difficult to find other gainful employment. One of the other recommendations that we had in our submission related to somebody who's been working for a long time. Hopefully for them they get a large termination payment, but then they have difficulty finding spots. Actually, the interesting thing is that some of these people then stop, look around, and decide to start their own businesses. We said, why not defer the taxation for a while on that termination payment they get from working for this employer for 15 or 20 years and allow them to use those moneys to start a new business and get on a good footing, to possibly start a company that creates employment and the like? It's trying to look at things in an innovative manner.