If I understood the last remark, the objective is to ensure that people who die were married to younger people, who then marry other younger people after their spouse dies. That's one way to do it.
I noticed that my banking colleague addressed the first remark to his banking colleagues. I'm going to start with a professor, since I was one myself.
Professor Lee, you say you prefer to own a home rather than accumulate an RRSP. I would say that is quite reasonable. I see that my children, people in their thirties, prefer to invest in a home since they will have the enjoyment of it for a long time, while their RRSP, it concerns me. That's essentially me. So it's a problem. Your remarks about pensions in fact related to the later part of a person's life. With all the advertising we've had about "Freedom 55", we were freeing ourselves from something. So we have completely changed the culture in this respect.
When you say we have to achieve equality between the private and public systems, which of the two do you change? Do you bring the public down to the level of the private, or do you raise the private up to the level of the public?