First of all, we don't provide pension plans. There may be some bodies out there, like the Canadian Federation of Independent Business, for example, who might like to provide a pension plan for their members. But again, under current tax and provincial pension rules, they cannot.
Again, we think there's a need to change some of those rules to open up coverage opportunities to more people. We think, as the Baldwin report that was provided to the federal, provincial, and territorial ministers back in Whitehorse suggests, there's a significant minority of Canadians who aren't saving enough towards retirement. Our sense is that those are the self-employed and people employed in small business, primarily. That's not to say there aren't others, but we think that's where the focus should be. Again, we think that by changing some of the tax and provincial pension rules we could actually open up coverage opportunities that do not exist today.
To Ms. Eng's earlier comment that the private sector has failed us, the private sector hasn't had an opportunity to provide coverage to those people. The private sector and other retirement income providers are providing group pension plans today to people at a cost of half to three quarters of a percent.