Thank you.
My next question would perhaps go to Mr. Laporte. I know that the Liberal Party is very keen on this voluntary increase to the Canada Pension Plan. Of course, the Canada Pension Plan is structured in such a way that it's compulsory. You did indicate your concern about the locked-in funds of this. Obviously, CPP is locked in. RRSPs are not. The fact that a PRPP is locked in...I wish I had something locked in way back.
Anyway, to go back to your comments in terms of the CPP, one of the things is if you had this voluntary system, it would completely change the structure of the Canada Pension Plan. Obviously, it would then increase administrative costs. Do you not agree with that?