Another example of public policy around the area is that of the U.K., wherein they've expanded their pension plan, but they did it with an automatic membership in the plan and a voluntary opt-out. Yet 90% of the members of the plan actually stayed in. So something like that would provide some flexibility to those who are fundamentally opposed to participating, but it would encourage more people to participate.
Left to their own devices, people aren't saving enough. Even if they save enough there are very few long-term investment plans that are better than the well-diversified—geographically, across asset class and across industry—Canada pension plan. It's a very good low-fee structure approach. Regardless of what we do in terms of financial literacy, we're not going to turn all Canadian investors into Warren Buffetts, as much as that might be a good objective.