Let me take those in reverse order, actually, because I think it's a little easier that way around.
I would be very cautious about any form of pension insurance providing for additional security. I don't think the objective of additional pension security is a bad objective; I think it's a very good objective. However, in the jurisdictions in which pension insurance exists--Ontario, the U.S., the U.K.--it has not been financially effective. I think a more likely avenue for better security for employment pensions is through the priority and bankruptcy provisions. There are issues with respect to that approach as well, but I think it's a better route to go.
With respect to CPP doubling, however you do it--whether you double the wage base or whether you double the proportion applied to the current wage base--there are a couple of cautions I would give. One is that we currently have a contribution for CPP that's slightly under 10% for employee and employer combined. The caution I would have on doubling that is whether you would limit the creation or existence of jobs as a result. I don't know the answer, but that's one caution I would provide.
The other caution I would provide is that in the CPP right now, in essence current workers largely pay for current pensioners--not completely, but largely. As we age as a society, we're going to have fewer workers paying for more pensioners, so you have the potential for intergenerational inequity in a partially funded arrangement, which is what CPP is. Again, there are ways to deal with that, but not in a partially funded arrangement.
Your first question was the third that I wanted to answer. I probably put it that way because I don't have a very good answer to it, but could you repeat it?