I know my time is running short, so I just want to build on that. I agree that it's not the root cause of the issues we're discussing today, but it's definitely one pillar in a solution to lead them in the right direction.
To follow through, though, on the issues I see in my office, my community is very much a retirement riding. It's along Lake Huron, and that's the destination for people to retire. What we find is that those people who are entering their retirement years and have made fine incomes throughout their lives now find themselves approaching 60 or 65, and the income they have is gone because they're retired and they have no savings.
I wonder if any of our panel here are experiencing this or seeing this on a daily or weekly basis, seniors who are in this crisis? And along the idea of financial literacy, are there check points along the way before they enter the CPP/OAS years, where they can actually get some good advice? Someone would say, “You know, friend, if you stay on this path, you're going to have a retirement of meagre existence.”
Do you want to comment on that?