Thank you.
On the issue of the OAS, 40% of the people collecting OAS make less than $20,000 a year, and 53% make less than $25,000, so I agree with you that it's a regressive decision. If there were an issue around sustainability, there would be more progressive ways to approach it, including clawbacks.
We proposed a supplementary voluntary CPP so that people would have access to a well-managed, low-fee structure and a diversified Canada Pension investment pool, and we proposed having it voluntary so that people could decide how much they would contribute.
Do you think that would be, in addition to PRPPs, an improvement in the choices for our future retirees?