The issue with respect to the current situation is that there's not a system in there that encourages aboriginals in particular to save. So the issue here is whether this pooled retirement pension plan on its own will be enough to resolve that problem. That's something we're not sure of. That's really the concern.
When we spoke to our membership, they felt this is definitely a step in the right direction, but it's not—and people use different words here—a panacea. Will this solve all the problems? No. It's definitely a step, but it's not going to encourage.... For example, we won't have the entire aboriginal population involved in this and it will not have complete coverage. It will not have retirement savings. That's one of the things you take when you have a defined contribution plan. It's certainly something that forces people to save. In this case, it's a voluntary plan. It will encourage people to save, but it won't be the be-all and end-all.