Then we're right back to the problem of those who cannot or do not take up the room in RRSPs.
We've heard from HRSDC that defined benefit plans are gradually being replaced by the defined contribution plans. I think we heard that again here today. I have a table here, and it takes a look at a defined contribution pension at two moments in time, and this would be a plan that was worth about $100,000. May 15, 2008, it was worth $7,659.20 a year, $638.26 per month. By February of 2009, that same $100,000 was worth $312.11 per month.
So there's clearly an issue with regard to pension security. That movement from the defined benefit to the defined contribution seems to be happening more and more. Should we not be concerned about that shift, because of fluctuations in market, because of uncertainty? People can't depend on that money any more.