Okay, I have a quick comment.
I've heard the opposition talk about a voluntary, employee only, CPP supplement. Other than being a mandatory payment, that sounds a lot like a personal, private investment plan. I'd love to get some comment on that.
Mr. Lee, you mentioned that homes are the primary investment of Canadians and that they should be viewed as investments that can be used in retirement. Later on you mentioned that your own mother died at 93 in her own home. I'm wondering whether she was able to access the equity in her home.