You're absolutely right. The population worldwide is aging, as is Canada's population, and that provides opportunities. There are challenges, but there are also major opportunities. For example, people will be able to keep working. Many people do not see age 60 or 65 as the end of their careers, and many people are carrying on in their lives and contributing. That means we have to get rid of some discriminatory laws, put in health plans that allow them to keep working, and recognize that people have caregiving responsibilities.
We also recognize that older Canadians are getting into debt. There is a need for some rational way of dealing with how they are saving. There was a question in the previous session about the national securities regulator. We are fully supportive of such a regulator, not necessarily to help IPOs get out, but rather because they have also introduced some effective enforcement agencies.