We believe that one of the easiest solutions to implement would be to use the Canada Pension Plan. In order to not put an additional burden on future generations, we would opt, of course, for a defined contribution scheme. Everyone could contribute to it, even those who are not linked through employment, as was mentioned earlier. Those individuals with a lack of job security nevertheless have an employer. We could think about asking these employers to make a contribution, even if it is only 1% or 2% of the employees' salaries, which would help them put away funds for their retirement.
Of course, a rate of 1% or 2% will not mean very significant amounts, but it is a start all the same. In our example, we referred to 4%. Half of this contribution could come from the employer and the other half from employees. Based on our projections and economic considerations, that could amount to additional replacement income of between 12% and 20% at retirement. It is a modest amount, but it will help to improve people's retirement.