Let me just start by saying that you are correct. This is a very important program, in terms of need for many of these people, but also in terms of size as well. Surprisingly to me, and probably to most Canadians, it is also a very complex program. There are a lot of really technical rules.
For Canadians who have lived here all their life, turned 65, and stayed here, it's fairly straightforward. But with an increase of immigration, there are a lot of technical rules about how long someone has to have been resident in Canada before and after reaching 65, and those will determine the pension amount.
As we say, the numbers will double within the next 25 years, and I would suspect as well, with increased immigration into the country, that the complexities will also change.
One of the issues that we noted is that the department doesn't have a very good system to manage quality overall. They do the tests, and they see that the error rates are low, but they need to have a quality management system in place to ensure that the error rate stays low.
When there are overpayments, there is action taken. They generally try to make arrangements with people to contribute a certain amount each month to pay down the debt. And I think we mention in the report--or maybe not--that about half of that is estimated to be not collectable, given the circumstances of the individuals involved.
One issue that we noted in there is that this management of these overpayments is not as good as it should be, and those receivables are not in the department receivables ledger, so it's sort of a separate system. It should have a little more attention given to it as well.