I will make a couple of comments, since you made reference to our brief.
The first point to make, which reinforces what you've said, is that our third pillar works quite effectively: tax-assisted savings plans. I think that flexibility would be helpful. I think the Senate banking committee recommendations suggest that some additional flexibility would be helpful to Canadians. I think one issue that is an important one to bear in mind is an equity consideration, which is that I don't think we should be looking at RRSPs, which are the primary form of retirement savings for most Canadians, without putting it in the context of defined benefit plans that a shrinking number of private sector Canadians have. But the public sector does benefit from a very generous defined benefit plan.
Then the issue becomes how we get more equity into the system. Do we improve the benefits in ours, or do we go the other way?