We couldn't agree with you more. Getting back to the way our retirement savings system is set up, there are three pillars to it. Think about it as a three-legged stool. You need strength on each of those legs in order for the whole system to be stable. We see PRPPs as an opportunity to introduce an additional level of choice and opportunity at low cost for employers and employees.
The other thing I would point out with respect to this is we've got a world-class financial services sector in Canada. We're respected internationally for stability and innovation and the way we're regulated, so why wouldn't we want to take advantage of that?