Terrific. That's exactly what this committee should hear: that there is a situation, there is an initiative, and there is a payback over the near and longer term too. That's very important.
Let me move on to Mr. Conway. I'm glad you raised, as a significant part of your presentation, the whole issue of retirement. The United States actually some time ago started to phase in increasing the age of retirement. When you consider the impact on employees when we have economic downturns, and some of them are in the age range of 55, etc., it's a very difficult time to get back into the labour force, to obtain gainful employment, and be able to earn maximum CPP benefits. Are you convinced that we as a country need to consider these realities, that people aren't able to earn the maximum and provide for retirement? Is this as important an initiative for us to consider as some of the things that have already been talked about in Parliament?