I think, Mr. Chair, that one of the key things we didn't talk about was the deferral program for OAS. I know Jack Mintz at the University of Calgary is a champion of this. I think he's on the right track, because it does give the individual or the household a great degree of flexibility for that period of time when they can defer OAS, then work without risk of losing an OAS benefit, and then get a higher benefit over a shorter time period.
I think those types of mechanisms allowing for more flexibility in decision-making by individuals and households are critical, particularly as some of the discussion today has, I think in an implicit way, assumed that the changes are being made today. The changes are a decade and a half to two decades down the road. To assume that our economy will look the same as it does today in two decades' time, I think is challenging, to say the least.