I just have a couple of quick points on this.
First, we like your idea very much, Mr. Brison. Our members do—77% of our members favour the option of a voluntary add-on to the CPP. We like that proposal. It certainly fits the two criteria that we've set, voluntary and low cost. Those are positive things.
The second point is on the CPP itself. We have to remember that while the lower-income Canadians are an important target group, it is actually not that group we need to worry about the most with respect to pensions. The government pension stream—the benefits through OAS and GIS—do help. Those who are retiring from low-income positions are actually not much worse off than they were under any other system. It is that middle-income-earner category who is most at risk and on whom we need to concentrate right now.
We do favour your option.