Those lower annual earnings impact the CPP, which is something we're concerned about, too.
Again we are back to numbers. For those who have private pensions, if I heard correctly, that seems to be in decline, and we know there have been some problems in terms of pensions in the private sector. I heard it has gone down from a 45% level to 38% among men, and from a level of 42% to 39% among women. If we extrapolate those figures, shouldn't we be concerned about the future of people depending on pensions, regardless of gender?