Sure. One thing, to just chime in on that front, is that some at the political level feel that it will help equalize small firms against larger firms because everybody will have to start paying into a pension that they might not otherwise have.
I will point you to the data that the Ontario government collected, which shows that only 10% of small businesses feel that this will help them in attracting workers; 90% don't. Entrepreneurs do not feel that this is going to help them. In fact, for those who are introducing a voluntary pension vehicle, that is what helps them become an employer of choice.
I certainly don't disagree with your point. More employers can and perhaps should get involved in the pension game. We do like the pooled registered pension plan. Even the Ontario government is looking to introduce it, which is good news. But mandatory payroll tax hikes right now, even dedicated to things as important as retirement, we feel would quite frankly be devastating for the Canadian economy.