First of all, you're raising an important point, the manufacturing sector issue.
I remember that the Standing Committee on Finance heard our evidence on the impact of the rise in the Canadian dollar. That was before 2008, and the manufacturing sector had already lost a large number of jobs. We were talking about highly paid jobs with generally defined contribution pension plans. The Confédération des syndicats nationaux sees that, even in large businesses, but even more in the case of SMEs, there are increasing numbers of defined benefit plans that are being converted to defined contribution plans. We believe this important issue must be addressed.
For example, we propose the introduction of sectoral pension plans through which a certain amount of savings could be channelled. I thought the Canadian Institute of Actuaries made promising proposals. If no action is taken at this level, it may not be defined benefit plans, but a lot of people will have little income when they retire. In Quebec, 40% of Quebeckers have a defined benefit and defined contribution pension plan. If you rely solely on the public plans—