I was referring to a group RRSP. There are no restrictions right now.
What employers are concerned about is the fact that they will contribute to their employees' retirement program and then, a year later, an employee takes that money out of that retirement program and buys a big-screen TV. They are contributing to their employees' retirement, but the money is not being used for their retirement. That is one of the reasons. When I talk to employers, they are saying they would rather give the money somewhere else.