The implication I think we have with the PRPP that's similar to the RRSP is that there will be an inclination to take part by people who have a lot more disposable income than perhaps some other groups.
We do have a generation of young people today—and I'll include my own family in that, my kids—who have a tendency not to look much more than six months down the road. What I'm concerned about is that this will not do anything to encourage those people who could save—we can debate who can afford it and who can't afford it, but those who could. I don't see that necessarily causing them to save, the ones who are kind of superficial at this point in the way they look at their own income and expenditures. We've got a high level of indebtedness too. By a modest increase to the Canada Pension Plan, as we've been talking about—again, $161 a year—I think we could wind up with something far more substantial.