I have just one more comment for Mr. Kelly.
We do know that many workplaces aren't offering pension plans in Canada. There's a whole movement away from defined benefit plans to no pension plan, or potentially defined contribution plans, or hybrids of such.
The CPP is a world-renowned model, looked at from many jurisdictions—low fees, great asset managers, arm's-length—so there are many pluses on the CPP side. I think an enhancement to CPP is a prudent step to take because there is a gap in someone having a dignified retirement in Canada, so I want to put that out there. That's a measure we need to look at and I'd like to get some feedback from your side.