Then in some instances it could be offset altogether by some of the other programs introduced by the government. That's not something I expect you to answer; I'm just throwing it out there that the model doesn't include some of the savings that this government has offered.
I want to talk about some of the numbers behind why we're here and why we're looking to the future. What has the department found in terms of the actual numbers of people not saving for retirement? Do you have statistics on the age range and the number of Canadians in this situation? What is the department worried about in terms of retirement savings? What are those statistics?