If I could add something on financial literacy, I'm of a view that it's fine for people to know how to manage their finances, handle credit, to take care of obligations, but I don't believe Canadians should be experts at investing in the stock markets. MPs and senators belong to a very generous pension plan, and none of you has asked to be thinking about whether you go into bonds or foreign equities. You don't have to worry about it because someone else is taking care of it.
I don't see why small and medium-sized companies and other taxpayers in this country should not have the same privilege. I believe financial literacy is fine to a certain degree, but if we have a system that allows people to have a decent pension without having to turn them into financial experts, I think that's a better way to go.