As I mentioned in my opening remarks, payroll taxes, generally, have a pretty big impact on small companies, and from the perspective of small business owners, CPP is a payroll tax, since they pay 50% on behalf of their employees.
We have actually surveyed our members on that and they are opposed to an increase in CPP. They see it as detrimental to job creation and job growth at this point in time. We are supporters of the pooled registered pension plan approach as an alternative.
We do know that pension plans are not widespread among smaller firms, so we do agree we need to find more opportunities for smaller firms to provide pension plans to employees, and for themselves, for that matter. But we don't think necessarily increasing CPP is going to be the way to go in terms of making sure that happens.
We think we need to have more options that are less expensive and more available to smaller companies. We're hopeful the PRPP will be that solution.