Speaking of the Australian super fund one more time, the lessons from that fund you talked about are very real. There is nobody disputing that. And the government has learned some lessons from that super fund. But the one lesson it hasn't learned is about capping fees, because in this legislation there is no cap on fees. There is all kinds of talk about the incentives for the fees to be kept down and competition, but there is no cap on them.
Mr. Jean talked about small business in a very effective way. He talked about how they have to look for vehicles for their people, particularly in the competitive area he's in. To my mind, the Canada Pension Plan, an enhanced Canada Pension Plan, opens the door to just that, because you don't have to worry about administration fees. It's a defined benefit. It's well managed. It's a shared risk. It's all the things we talk about. There are no new administration fees applied to this.
I put out numbers the other day, and I want to repeat, they are very similar numbers. If you had $47,000 in income, and you increased the Canada Pension Plan contributions by $3.50 a week, which is about $185 a year, that is $6,500 over 35 years, and you get a return of $900. Mr. Laporte, where would we find a return like that anywhere else?