Well, that's it, however it turns out.
One of the problems is that it comes down to the expectation of Canadians. If governments put in place a defined contribution plan, my sense is a lot of Canadians are going to say, “Thank goodness, the government is taking care of it, it's all done, and I'll have a set payout.” Then at the time when they come to collect on the retirement they say, “This isn't anywhere near what I thought it was. Why didn't somebody tell me?” This is the Canada Pension Plan.
That's the issue here, I think.