Number one is targeting, because to put it really bluntly you're wasting money.
If I can go back to CPP reform, because everybody knows about it and I've published two papers on this that are peer-reviewed, large numbers of us don't need it. Why would you want to reform CPP to make me pay more premiums, when I have a gold-plated pension at Carleton University that I think exceeds the Government of Canada's?
Why would I want to pay more into a CPP, which gives me less money in my pocket to spend on the economy in restaurants and on small businesses, because the premiums that you pay are taken out of the flow? Yes, they're reinvested, but I don't have them to spend. If you do go forward with a universal reform to CPP, you're going to slow down the economy for a whole bunch of people who don't need it. Instead, in that context, target the people who do need help, and there are people who do need help.