I have one last thing to say, Mr. Chair.
This is for the Canadian Bankers Association. In the beginning, you said that you were concerned that it would simply result in a shift of savings from one pot to another, as opposed to helping Canadians or others increase their savings. You referred to the TFSA, the tax-free savings account. Would it not be another solution to just remove the $5,000 cap to create more savings?
I have a sub-question. Your fourth point was that you did not want fragmentation across the country. What do you mean by that? Quebec and Canada, for example, already have pension plans that are quite developed and very well managed, but they use two different management approaches.