The point is that if they don't have the financial means to contribute, so that they can't do it on a voluntary basis, then they'll have trouble doing it on an involuntary basis. What I was referring to in our research is that Canadians do make decisions. They recognize that they need to save; they recognize what options are there. The PRPP provides them with another option that many of them do not now have, and for many of them that might just be a preferred tool to enable them to have a structured pension plan, to have savings that are locked in for retirement, and low-cost options.
On February 28th, 2012. See this statement in context.