I promise you I will send the committee my two papers. I don't get royalties on this so this isn't about money, but I'll answer it very quickly.
There's another urban legend that Canadians are completely dependent on the so-called first two pillars, which are OAS-GIS and CPP. That's simply empirically not true. Empirically, the top three quintiles receive very small amounts from the first two pillars. The bottom two quintiles in Canada, the bottom 40% by income, are vitally dependent on the first two pillars I've described: OAS-GIS and CPP. There's no question about that, but the idea that the other three quintiles are dependant on those first two pillars is not true. I don't have the time to present the whole paper, but suffice it to say that we really do have two different pension systems in Canada operating parallel and we don't realize it. That's what the argument was in my paper.
We have essentially social welfare for low-income elder people. It's called OAS-GIS and CPP, and people in the top three quintiles have all kinds of other sources of income coming in. That's been documented in Kevin Milligan's research, in Jack Mintz's research, In Vijay Jog's research, and my research, to name just four.