Wage growth has been weak. Investment returns, though, have not been strong over a 10-year period because of the very deep financial crisis we had. But your point is well taken.
One of the things we've been talking about here is income inequality, but if you look at asset inequality, that's where you see much starker differences, where 20% of Canadians have 70% of assets. I would stress that it's the outcome of long-term differences in income growth and the ability to save.