The problem of immigrant women is one that we have encountered, and we've been trying to figure out just what we can do with it. It's very unfortunate that even if you're a Canadian citizen, but you're an immigrant late in life, you get only one-quarter of the old age pension for each year that you've lived in Canada between the ages of 18 and 65. We have some of the same problems with aboriginal women, and we're having a rather difficult time getting in contact with some of these women who are leading very poor lives.
Income splitting is something that really has to be looked at in total, and the regulations that govern pensions in Canada have to be looked at and have to be far more equitable again--and each clause taken word for word almost. The same goes for CPP. CPP is not very equitable even when it comes to survivor benefits. It's extremely poor, and there has to be something done.
Perhaps my colleagues here would like to add to that.