Minister, you spoke a moment ago about the consensus around the CPP, and that you had full consensus on this. I don't dispute that point at all. But technically speaking, two-thirds of the provinces are required to pass something, so it doesn't require a full 100% consensus. If you look at the Australian super fund, for example, after 10 years it was reviewed and hadn't even kept up with the pace of inflation. That's why we have concerns.
As far as the cost of CPP, an increase has been proposed. On $10,000 it's 76¢ a week. On $40,000 it's $3.10 per week. On the comment about enrollment and the cost of enrollment and setting up the PRPP, people are already enrolled in the Canada Pension Plan. We certainly see some advantages to that. The proposition we put forward would be enacted in three years with a seven-year phase-in period. So the impact on business would be spread out over a full seven years. When you juxtapose that against the super fund in Australia and the lack of what that was able to produce for those people, I am still drawn back to the CPP.