Actually, this is a very important point. The CPP investment managers are not magicians.
The point that Marion raised earlier is an important one. It wasn't that long ago that employers and employees had to ante up a whole bunch more money into the CPP because the investments were terrible. We had no money to keep the plan going. It was a very important decision that the Liberal government of the day made to jack up the premiums. Our members, small businesses, actually supported a premium increase in the Canada Pension Plan because they felt the CPP was so important at that time.
But do they support an increase at this point for further benefits in a mandatory fashion? Not at all. That's why the voluntary add-on is a good idea. We think the PRPP tool is a very good one and can add to the mix. It's not going to be a panacea, by any stretch of the imagination, but I agree with you that ensuring there's a diversified range of investments on the part of small business owners across Canada and for their employees is important.