I'll respond to the middle question first because it's something I've worked on fairly recently. We don't do projections, but we have looked at the proportion of people who take up their CPP or QPP benefits right at age 60. That proportion of the population has been increasing over time, particularly among people who have already taken up registered pension plan benefits in their fifties. A lot of them are advantaged in terms of what they have.
If you look at the trends for men and women, it has been going up for both men and women, but faster for women than for men, so a higher proportion of women--I think it's in the neighbourhood of 32% or 33%, the most recent data we have--take up their CPP benefits as soon as they are eligible at age 60, and it's two or three percentage points lower for men.