Thank you very much for your question.
I support what you said. I think we will run into many of these problems in Hamilton. We are noticing problems currently. When the labour market doesn't pay enough, we see people who can't save money.
I'll just speak in English for a minute.
We agree with Dr. Finnie's comments about savings being very important. We do need more collective savings instruments, but individual savings alone are not going to get us through this crisis. There have to be broader solutions to improve wages for young workers so that they are able to do their own saving and participate more fully in the CPP.