Thank you for that clarification. I think it is important going forward.
As you probably know, we too would like this zero impact to apply to all workers. Our points of view are different, but I thank you very much for having taken part in this meeting and having provided that clarification. Our points of view are different in that we don't like the idea of there being less money in the pockets of taxpayers. We prefer to let people make their own choices.
My question is for Ms. Moreau, of the Canadian Federation of Independent Business.
In your document, you indicate that more than half of Canadians wish they could contribute more to pension funds, such as the TFSA, that we created, or RRSPs.
In your opinion, what explains people's participation in this type of voluntary retirement savings?