I'll start with the second question, about the current levels of pensions being provided by the existing workplace arrangements.
In fact, CUPE, our union, represents, as you say, a lot of workers in the municipal sector, the hospital sector, school boards, the education sector, post-secondary. I would say it's by and large what could be called the non-professional sectors: custodians, cleaners, bus drivers, kitchen staff, that range of worker. As we might imagine, these are workers who don't have very high incomes in their ongoing work life.
It's very interesting, with all this talk of gold-plated pensions—which, as you say, is really popular talk, and pops up in the news a lot these days—to actually look at the pensions that are being paid by these workplace arrangements to those workers. I could share a couple of specific statistics; in fact, some I've come across just recently.