We think it would. We agree that purchasing a unit of CPP is probably the most cost-effective way in Canada today to buy a piece of pension savings. That said, there is also the advantage that the CPP already exists. The payroll deduction system already exists. The individual accounts already exist. The banking industry would have to put that in place in order to offer the PRPP, for which we will be paying. There's that opportunity as compared to the two. There's good research out there, including from the people who run DB plans, that a defined benefit plan gives you more bang for your buck of investment. They could offer more. They can keep the pension promise. In fact, today's Canadians, and retirees especially, are looking at predictability and adequacy. Those two things can only be provided by a DB plan.
If you made it voluntary, given the choices, they would flock to it. We would of course say that perhaps it should be mandatory with an option to opt out.