Just to add to that, the reality is that people with higher incomes who can afford to now contribute to RRSPs are doing better because they're getting a tax break as well, which somebody at a lower income who doesn't have a pension plan doesn't get.
Again, I go back to why we think there needs to be a summit, so that we can start to sort some of these details out so that people feel that what we're developing is a better system for all, not addressed to only one group or another.