We advocate adding another layer to the existing plans in Canada and Quebec. The incentive could perhaps be to add a minimum contribution on the part of the employer. This could encourage employees to contribute more.
As I said earlier, this would not be required of employers who already offer a plan that corresponds to what we would require as minimum contribution. We are talking about 1% or 2% on the part of the employer. For small employers, this can be quite a bit, but at the same time, it can encourage people to save. We know that if this incentive to save does not exist, then people won't save; that is a proven fact. Even if we try to educate people in the long term, part of the population will discount the importance of saving. So I believe that the incentive should be a minimum contribution on the part of the employer to this plan.