Okay, thank you.
I'm rushing a bit because I don't want to take all the time.
My last point is that there is a tendency between the government party and Jack Mintz to paint a very rosy picture of our pension system. I've been in an academic world and I know about selective use of statistics. I agree that in some areas Canada is very good, such as the statistics on older people.
If you look at the core statistics for the OECD, which is the replacement rate in retirement for people of average income, Canada's figure is a 44% replacement rate for the person with the mean income, compared with 58% for OECD. I don't think it can be said that our overall performance is anything so terribly wonderful.
I'll leave it at that and turn to Mr. Pacetti.