I will, because I've written and spoken about this in papers. In fact, we talked about it in the paper I referenced. I'm, again, basing my comments on a paper done by Professor Jack Mintz that was published in January 2015 at the University of Calgary. He drilled down into the 7.5% of elders. There are two issues. The first issue is those below the poverty line who are already elders; they're over 65. The other issue is those who are not yet 65, but who are approaching 65 and who are not, or allegedly not, pension-ready. I'm now referring only to those who are over 65 and below the poverty line: the 7.5%.
Professor Mintz drilled down into the data and asked a very good research question: who are they? They are overwhelmingly—this is my own phrase—elder elder females. These are not 65-year-old females. These are 85-year-old females, 90-year-old females, like my late mother who raised children and did not work outside the home in the 1950s and 1960s. They don't have CPP.