A brief response. Okay, that is a big ask.
I don't know how we can get a 100% guarantee. I think the government is moving in the right direction with PRPPs.
One of the suggestions we have made about group RRSPs is helpful, because if you have an incentive for employers and small employers to be able to assist employees in contributing to RRSPs and to incent them to open an RRSP and perhaps save in an RRSP that is supplemented by their employer, that is a good start. But I wish I had an answer to how we could ensure 100%.