We have to remember that we do have a carry-forward opportunity, which I think is almost akin to a lifetime maximum. I think the lifetime maximum that people are referring to is, at age 55 or older, to have an additional lump sum amount, say $50,000 or $100,000, that could be available in terms of RSP contribution room.
Another suggestion that I put forward recently went back to our pre-1995 rules where in fact if someone aged 55 or older, for example, were to get a severance payment, he or she was able to roll over $2,000 per year of service into an RSP tax-free. We can't do that any longer. That could mimic the additional lump sum contribution that you're speaking of as well.