It is a big challenge. We are in the process of surveying our membership on what they are doing in their own businesses and for their employees as to what resources they have available for their retirements right now.
We're trying to broaden the scope. We're looking at the sale of their business, the sale of their house, inheritance, for example. These are tools that are not discussed frequently.
Another option, while it may not be the panacea that you mention, is PRPPs. They are something we would really encourage all provincial governments to implement. The federal government has shown leadership on that issue. It's an option for the smallest of businesses that have difficulty with small margins and offering retirement savings to their employees right now. That's one option.
The more options we provide, especially if they're low-fee and simple to access.... Mr. Moist spoke of the high banking fees that we're paying. PRPPs, if properly implemented, would remain low-fee. We think that would be a particular incentive to small business owners to help their employees save.