Yes, I wanted to comment about the reason premiums were increased both in the CPP and latterly with the QPP. It wasn't on account of investments, but rather that when the QPP and the CPP were first put in place, the politicians of the day deliberately underpriced it, and the actuarial calculations were brought together to force the increase in contributions in the CPP first and then the QPP. So it was a question of pricing it properly. They wanted a low-cost plan to go into it, and they realized they couldn't afford it. It had nothing to do with the investments.
