You're right, and it's for two reasons.
One is that the statistics look at the average usage across different income groups. Lower-income Canadians tend not to use them. In fact, Malcolm Hamilton, who has a high reputation with Mercer as an actuary, has indicated that in retirement, lower-income Canadians do better with the two pillars they have. Many middle-income Canadians don't take full advantage of the RRSP for lifestyle reasons, whereby you're in the process of family building and you make large outlays along the way for education and for a house. That would explain in part why some Canadians actually use their RRSPs to make those purchases, which at that time of their life is a priority. The people at the high end of the income scale always will use them up.
But the point I guess we're making is that the statistics belie a need to increase the ceiling. We've done some comparative analysis comparing the ceilings in the U.S. and in the U.K., which has a lifetime limit. We're just saying, given the economic climate, and the difficulties in saving with very low levels of interest rate to accumulate, and the financial crisis, that to the extent possible given that there are budget constraints, to raise those ceilings would be a good thing to do.