Yes. I think Sue has identified a number of the challenges associated with setting it up. There are going to be communication challenges. If people have any exposure to market risk with their investments and their account balances go down, then you're going to have to somehow communicate to them why.
But I think my biggest concern about a supplementary CPP--and I don't think it's insurmountable--is the aggregation of a very large amount of money in government hands. Compare the performance in 2008-09 of the CPP fund and the QPP fund--