I don't want to take your time. I just want to point out that virtually all Canadians, employees or self-employed, belong to the CPP. It's around 95%.
With respect to putting all of your eggs in one basket, it's important to remember that in the OECD, Canada is way below the average in pre-retirement earnings replaced by the basic pension, namely, CPP, QPP, OAS, and GIS. The average wage and salary and above, 1.5% and 2%, are two times the average wage and salary. Canada's basic state pension actually replaces below the average. So we don't have all of our eggs in the CPP basket, comparatively. We have most of our eggs in the voluntary savings, the third pillar—