Yes. I would actually like to respond to what you said about voluntary contributions. In order to have an idea of who would be likely to benefit from voluntary contributions inside a public plan, it might be worthwhile to look at who currently benefits from RRSP tax exemptions.
It is interesting to note that statistics for 2005, published in 2008, show that people who earn less than $30,000 annually—in other words, low-income people, who represent approximately 60% of Quebec's population—received only 6.3% of tax savings, which is very little.
In terms of a voluntary contribution plan, it is conceivable that individuals earning $70,000 or more annually would benefit. So, again referring to the same statistics, only approximately 8% of taxpayers earn more than $70,000, and yet these same individuals alone receive more than 60% of tax exemptions.
It is partly for that reason that the FTQ is opposed to voluntary contributions, in particular.