Yes.
As regards disability, my thought—and our report will probably reflect this—is that there are three parts to this. First, the basic plan. You clearly explained that, in Canada, there should be a basic plan, as Mr. Gagné has pointed out, that provide a minimum level of income. After that, there are private sector supplemental pension plans. Finally, there is everything relating to insurance.
I agree with my Liberal colleague that this should be considered separately. We are talking about a situation where someone buys insurance for an individual who could become disabled, and when the disability occurs, unfortunately, there is no more money left because that insurance has been rolled in with the pension fund.