I would say the proposal you're describing, if it is a supplement that is providing for a defined benefit CPP element, would certainly be superior to an uncertain insecure question mark, which is really what people are going to get from the PRPPs. The concern we have with that model is exactly this question of voluntary versus mandatory.
I think we're all very glad that the original design of the CPP was mandatory and across the board. If it had been voluntary back in 1966, our whole system I think would be much weaker for it. That would be my quick thought.