Thank you, Chair.
Thank you, witnesses.
I think what drives this conversation currently has to do with situations, such as Air Canada, such as Nortel, such as looking at a lot of the ratios and the private plans, particularly the employer-sponsored plans, that are in difficulty. Even after the recovery of the market they're still in difficulty. So one of the suggestions, particularly put forward by our party, has been, if you will, a supplemental CPP plan.
Mr. Campbell raises some interesting questions.
By the way, Mr. Raymond and Mr. Dale, it's nice to talk to you about something other than our usual favourite subject.
Let me just go through Mr. Campbell's questions and see what your response might be.
He asked how Canadians would get advice on the investment decisions they'll have to make about contributing to a supplemental plan. My question would be, why would Canadians get advice if in fact it's simply a contribution plan where you make your contribution off your pay cheque or whatever on a monthly or weekly basis? Why would it involve advice at all?