Just to add one thing on precarious employment, which Dominique mentioned in his remarks, when you look at the public system, the OAS, GIS, as well as CPP are available if you're self-employed and you pay the full employer-employee contribution. So those individuals do have access to vehicles.
And there's just one other thing to note here. With the introduction of tax-free savings accounts—and the Department of Finance might want to comment on this—people have an additional non-employment-related $5,000 a year they can contribute. The capital gains there aren't taxed, and when you withdraw those moneys, they don't affect your GIS. So you do have a significant additional amount of room and a vehicle to use there.