My second question is for Ms. Pearl-Weinberg, from the Investment Funds Institute of Canada.
According to the figures, in 2007, 85% of Canadians earned less than $50,000. Only 13% of those people invested in an RRSP, and only 6% had RRSPs sufficient to enable them to retire.
One actuarial study indicates that, if this continues in the same manner, Guaranteed Income Supplement expenditures will increase from $6 billion to $23 billion, which is enormous. This indicates to us that we have an obligation of result.
The Canada Pension Plan is currently the only plan that can assure us we will have pensions for seniors. This is not a tax. I would point out to everyone that these funds have are now money that must be invested immediately. This is not a tax; the Canada Pension Fund has investment capital. It's a public investment rather than a private investment. I would like to know how we can secure a 100% guarantee that people who are currently working will not be poor in 25 years.