Thank you, Chair. I appreciate it.
I wanted to respond to a couple of points.
Mr. Turnbull, to be reasonable and fair, may not have been aware of that. I believe him to be a little bit younger than me. He said that the government would never allow CPP to run into a funding issue, but actually the government has.
It was originally launched as a pay-as-you-go program, meaning that there was no buffer and no investment portion to it. Younger folks contributed to it, and older folks received it. That's how it worked. That worked great when it was originally created in 1966, because there were a lot of workers for every retiree. Of course, then, as the baby boomers started to get older—