I think when it comes to pension savings, we're very much of the view that voluntary is better than mandatory.
One of the problems with pensions in this country—and Malcolm Hamilton now researching at the C.D. Howe Institute, has done a lot of work on this over the years—is that people are scared a lot by financial institutions into saving too much. I did a study last year and I looked at what chartered banks recommend and when they had something on their websites, they universally said replace 75% to 80% of your income. Most people outside of banks say 50% to 60% is more than enough. The result is we end up with a lot of people saving too much. Malcolm has openly said that the number one problem with savings among older people in our society is that people die with too much money.