Okay. That was my only question. Thank you very much for that.
Also we only have limited time, so I apologize for that.
I wanted to talk a bit about pensions. I know you are an expert on pensions—and I recognize what's happening in the OECD in particular—but I wanted to talk a little bit about what's happening in the public sector versus the private sector and the self-employed. For instance, in 1976-79, the average age was 64 for retirement in the public sector. In 2000-05, that moved down five years to 59, which is quite disturbing, because of course they stop paying in tax and instead take it out. The age for self-employed has remained 66 years as an average retirement since that time.
I also want to ask you questions generally about the KiwiSaver program in New Zealand, which has obviously just come into play, and also with the U.K. and their implementation expanding the private pension plans in 2012. I think that's very, very important. I agree 100% with your recommendations for this government. I agree with you 100% about CPP and not including it on more of a volunteer basis. But I'd like to talk a little bit about that, and also I am very interested in what Quebec's second recommendation is relating to a tax credit for those who do not retire early. So if you don't retire early, you actually get a tax credit.
Could you give me a few of your thoughts on that?