Thank you very much for the question, Ms. Zarrillo.
Yes, certainly, there is a very good opportunity to look at some amendments here.
On your point about tax filing, by way of a slight anecdote, my grandmother's accountant retired last year. Now we're scrambling to find somebody she knows and trusts and who speaks Portuguese, etc. The odds are that her taxes will be late this year. She is fortunate that she has people like me and many others around her who support her to do this work.
Any sort of consideration of the fact that seniors often lead difficult lives.... Their worlds are getting smaller and smaller. I don't mean to paint this with a general brush, but to make a point here, worlds get smaller. They need more and more support. The caregivers around them often have a lot on their plates as well. Anything that can be done to ease these seniors' interactions with institutions—like tax filing for CPP purposes, and interactions with telecoms and with airlines, etc.—and to ease the friction between seniors and these large institutions would be a good thing to consider, including in the context of the CPP.
With regard to specific amendments, perhaps, to this piece of legislation, I think it would be very interesting to park in here an idea that perhaps it's time to help seniors who reach old age and start receiving CPP but who have had to opt out of the labour market for a long period of time—often that's women, as I note in my comments—because of their care responsibilities, be it for children or others in their lives. In other countries, the state pays their state pension contributions while they're off caring for others. We see this in the U.K. We see this all over Europe. Perhaps it's time to consider that here, as an indirect way of supporting those seniors who were caregivers earlier in life and who potentially become caregivers later on in life, and of making sure they're not punished for having cared for others when they were younger and could otherwise have been working.
For people who have been in that situation, where you're choosing between working full time and caring for a loved one, most of us, I think, would choose caring for a loved one. That's what we do for our families.