I don't think it went nearly as far as it could have or should have. I would simply urge the government to go further in that direction, precisely because when you invest in an RRSP, you have to make all these decisions—do I want this, do I want that—and you buy into some sort of pool. But people don't have the understanding of those instruments. They don't have an understanding even of what they're putting their money into. We all feel that. I feel that. I have a Ph.D in economics; I don't understand my savings plans.
It's a mechanism that allows you to basically buy into a plan that says, look, you're going to contribute this much and you're going to get a fair return on that money. It will be invested. It's riskier when you're young, and then with a gradual evolution over time it will naturally evolve towards a more certain investment later. All these sorts of things that each of us would probably want to do are built into the plan. If you want to exercise your own options on top of what is in the normal plan or the standard choice of plans, then you can do that too. In that way, I think it achieves the best of the RRSPs, the best of this initiative, and we can go forward with that.