There are a number of things. One that looks a bit further into the future—which comes upon us very quickly, especially in this economic climate—is to provide what we are calling a universal pension plan for the one in three Canadians who retire without any significant savings. That is something that will take a working generation to mature so that people do have a reliable pension savings vehicle. For the immediate time, we have to look at opportunities to make sure that older workers keep their jobs, and if they lose them along with everybody else, that they will be able to find new ones. Retraining is fine. There have been a number of government initiatives directed at retraining, but really the job match is probably more important.
There is an element that underscores all that we talk about, which is a level of ageism in society. This makes it harder for people to get new jobs if they are an older person, and to keep them if people are looking around to see who they are going to lay off. They often will be the ones who have caregiving responsibilities for an older loved one, and again workplaces have not been quick to accommodate a flexible schedule to deal with that. In addition, we have gotten rid of mandatory retirement at the provincial level, but it still persists for federally regulated businesses. So for people who need to keep working, in order to live appropriately before they retire, we want to make sure they are able to do that even past the age of 65. In addition, health benefit plans, if employers provide them at all, certainly allow many of them to cut out at age 65 or even at an earlier age.