What the difference is between ages 65 and 67 is essentially a two-year gap in income. People who want to retire at age 65, if they have little work experience—and a lot of the older generation may have because they've been stay-at-home parents—find that all of a sudden they are at age 65, they have no CPP, and they have to wait until 67 to be eligible for OAS and GIS. There is that two-year gap. If they are able to get anything at all from CPP, two years later they can supplement that with the OAS and GIS. That was a critical two-year period for a lot of people.
For the ORPP and the CPP, our preference certainly would be for a CPP enhancement. In light of that not happening, we've reached out to the provinces to ask what they can do to overcome this obstacle. Some of them are willing to take that on and some are willing to look at it, but our overall preference is to have a CPP enhancement.