The point we had been making is that we're not taking issue with EI. In fact, it's not an issue directly related to EI; it is directly related to registered retirement savings plans. They are a bona fide retirement savings vehicle. They are analogous in terms of the function they perform as a defined benefit or a defined contribution plan. With a defined benefit and a defined contribution plan set up by an employer, the employer can deduct the EI—the payroll taxes, if you will—against the contributions to those plans.
What we have looked at is group RRSPs. Group RRSPs function as retirement savings vehicles no differently from the way defined benefit and defined contribution plans function. Very often for lower-income Canadians who are working with very small companies, companies that can't afford substantive retirement plans for their employees, it has turned out to be the case that group plans are very attractive.