You are quite right that I have changed my stance a little bit for today. The reason for our recommending in that article that it should probably be voluntary is that we think a lot of people will opt out of it.
The reason I said today that we might have to make it mandatory is to avoid an issue of what we economists call adverse selection, whereby those gig workers who face the highest risk of income insecurity in the future will opt into it, but those who are the most confident about their income security going forward will opt out. We will have only relatively higher-risk gig workers enrolling while those who are at relatively lower risk, at least as they perceive it or as they forecast it, will opt out of it.
We have mandatory coverage for EI to try to get around that adverse selection problem, which is very well known to insurance [Technical difficulty—Editor], for all types of insurance, so I see that as sort of an economic and political issue.