I heard Mr. Frazer repeat it, so I want to make sure Mr. Frazer knows that we do not believe it's a panacea, but we do believe it is another vehicle, which I've heard several times today. We believe that it is a right thing to do so that the people who do not have access to workplace pensions can take advantage of this.
Having said all of that and putting that on the record to dismiss all of the misleading stuff, I have a question for Mr. Wrobel.
You mentioned earlier, with regard to private sector versus public sector, that there are some advantages in the private sector and the expertise and what not that they use. I did note when Ms. Eng was speaking that you had a bit of a reaction. I would ask you, in debating what Ms. Eng said, to tell us why you think it is appropriate that this be in the private sector.