Our recommendation is to encourage Canadians to put more away in retirement planning. Clearly there's a challenge, as the demographic curve continues for all of us, to make sure that all Canadians have appropriate retirement income. We went to the point of saying that there are many Canadians who are not saving enough. This would provide them with extra stimulus to encourage them to put aside the moneys for themselves.
Anything the government can do to encourage Canadians to save for their own retirement will be helpful, because ultimately the piper will probably have to be paid. So it's better to encourage Canadians to take it upon themselves to responsibly save for their retirement, rather than wait for an ultimate government solution.