It is also important subject matter. Different immigration levels would also affect the contribution rates. Who's contributing has an effect on.... Overly high immigration levels in a short period of time, for example, could reduce wages, which could reduce contribution rates and would require workers to work more because they're now making less and saving less.
It's also whether their CPP is enough and their OAS is enough. It might not be enough to sustain their lifestyle, and they'll have to top up their RRSPs, TFSAs and additional savings vehicles in order to make themselves whole through retirement.
There are also things like workforce growth, the demographics of the workforce and the distribution of the age. It's not just the median age or the average age of the population, which is different in different countries. It's also the distribution of seniors to young people and middle-aged people.
Of course, there's wage growth and productivity growth. We know we have the lowest investment per worker in the G7 and the lowest productivity in the G7—