Briefly, as I've mentioned repeatedly, Canadians and small business owners are for retirement savings. In the nineties, when CPP needed to have increased premiums with no additional benefits, when the plan wasn't doing as well as it was now, our members voted to increase it. They appreciate and enjoy the benefits that CPP brings to them.
The difficulty for them—and what I unfortunately have to respectfully disagree with Mr. Yussuff about—is on whether or not it's a tax. If you have to pay something without a choice, it's a tax. When you owe money to the government at the end of the year, even though your business has not made any money, by definition, for a business owner, that is a tax to them.
There have to be other ways. Are there ways that we can be innovative and look at what other countries around the world have done to increase retirement savings for their citizens without pinning it on the backs of small businesses? There are options out there. The U.K. has looked at a voluntary model.
Canadians, through the polling that we've done, have said they appreciate a tax-free savings account and contributions to RRSPs over CPP, because they can do more with them when they have those savings. They can pay for their first house. They can take out loans to educate themselves further. They can look into moving the results of their TFSA to other savings, if they need them in that period in their life.
I think, from our perspective, that's what our members have said.