I would like to comment on that.
When we make our recommendations we are including both those people who are in the low income brackets as well as those in the middle and higher income brackets. While we are sympathetic to the idea that we should just increase the RRSP room, in fact higher-income people are using their limits quite well, but the general population has left almost 95% of their room on the table.
The only way the average worker is going to actually contribute is if it's a mandatory situation. People, we know now, are not taking the steps to look after their own retirement. With the acknowledgement now that we have a bit of a savings gap, maybe more people will take up this option, this one among many, but at the present time they are not. The question is whether or not this scheme, as presented, will make any difference in terms of that savings environment.
We would suggest that it would not make much of a difference, especially not for the lower-income people. For many of those people, in addition to having to set aside in a mandatory fashion, they need to see the employer contribution. That often levers the contributions of other employees. It is human nature.