That's a lot. I have just a couple of points.
One comes from my colleague, Professor Lee. Pension reform goes in waves. About every 10 years there is a push for pension reform, and then something moderate is usually done.
One of the proposals we made some years ago was for a seniors benefit. The idea here was that we would integrate existing seniors benefits into a single income-tested program, so it would be old age security, guaranteed income supplement, the age credit, and pension income credit. They would all be put together based on a measure of net income. Then you would have a very strong program that could adjust to changes in the economy. It's also a very fair program. Compared with the current one, it's simpler to operate.
Anyway, it didn't go anywhere, and that was the last big push for reform.
The other one we've called for at Caledon is a 50% increase in the CPP so that it would better meet the needs of seniors, especially middle-income seniors.