I'd like now to turn to Ms. Reibel.
Basically I agree with the thrust of what you have said, which is that it would be a good idea to have multi-employer pension plans to break down barriers, to expand such plans to have this private sector solution.
I have also suggested to other private sector people who have come before us that I favour that, but I favour as well a supplementary Canada Pension Plan. I don't think it has to be one or the other. I think the two can coexist. An important principle of economics, I think, is that more choice is usually better than less choice for consumers, and there are some advantages in what you propose for some people and there are some advantages in supplementary Canada Pension Plan that is voluntary.
Would you accept that this might be a good idea, that we go along with your proposal and simultaneously a supplementary Canada Pension Plan that is voluntary in nature?