When we look at an expansion of the Canada Pension Plan, it is important to remember that about 15 years ago the federal government and the provincial governments went through a significant study of the plan to make it sustainable, and in the process they raised premiums quite substantially.
We have a system now that we believe is sustainable going forward for a number of years, and we want to make sure that any potential changes in the future do not threaten that sustainability. As we look at where there are gaps in the retirement savings system, we see it not so much in pillar one and pillar two, but it is really in pillar three, in the private sector sphere, where a number of employees don't have access to employer-sponsored plans. We see the PRPP as a means by which smaller employers can offer these plans to their employees, and to be something that employees would find very attractive.