Thank you. I'd like to share my time with Mr. McKay.
I have just one question for Mr. Hamilton about how good our pension system is compared with those of other countries. Your index put us at number 4 out of 11. I was just looking at some OECD statistics; I think they were the most recent ones. On average, for the average worker--I think it's the mean salary--if I remember the numbers correctly, the replacement rate for Canada was 44%, while for the OECD it was about 56%. So according to that measure, by OECD standards we're definitely below average.
I would have thought that replacement rate for the average worker was a fairly key statistic. We're better than average on the lower-income side. I think we're slightly worse that average on the higher-income side. We're definitely worse than average for the average person. I wonder how you would react to that or if you think that's an important indicator.