Thank you.
I would like to ask the Canadian Federation of Independent Business representative a question because she has done an excellent survey. To all intents and purposes, there are two kinds of businesses: those with 0 to 49 employees, where a very large majority have no pension plan, and those with between 50 and 500 employees, where 56% of them have employer and employee plans. The reason you cite is that it's too expensive.
Have you observed differences between the provinces? Quebec is the SME champion in Canada. Have you seen differences between Quebec, where there are the most SMEs, and elsewhere in Canada?