I think there are probably all kinds of improvements that can be made. In a perfect world, I would love to see in Canada people who today don't have a pension through the company they work for being able to donate to a HOOPP-like conglomerate so that they can build up their pension there, which is held by a third party. If I was going to take a blank piece of paper and write, that's what I would love to see, because I think everybody could plan for their retirement in a better way.
When I was talking with some of the banking organizations about their concerns about this bill, I asked if there was a way of breaking down “secured creditors” into a different granularity so that we could define which secured creditors we're concerned about—because those are the people who would have difficulty surviving and have a negative consequence—and then there may be larger ones that would have more resilience. They were unwilling to break it down further, and they didn't think they would like it even if it was broken down further, so I abandoned my hope on that and stuck to what I thought we could agree on.