At this point, there is already a lot of migration from defined benefit plans to defined contribution plans in the general sector, which is why people are not getting the vehicles that help them save for retirement.
I think it's important for us to look at the broader picture. We are trying to look at a savings vehicle that will help a person save over an entire working career. Nothing is going to happen immediately.
If you had an extra $1,000 or $10,000 to spend a year, the question is whether you would spend it on supplementary CPP payments, for example. Would you put it into a PRPP? Would you put it into a defined contribution? Those are the choices. We maintain that of those choices, the most useful for the average person trying to save for his or her own retirement adequately and effectively would be to buy the next layer of CPP.
Whether we can make that mandatory is another debate. We would argue that if you made it mandatory, more people would stay in. If people can't stomach it being mandatory, then make it so attractive that they would go naturally.