I would just like to add one thing about the CPP and the QPP. Two reforms have been announced: one has been announced in relation to the Quebec Pension Plan, and Bill C-51 has already been passed.
If different approaches are taken, the two plans may end up not being quite so similar. Indeed, the differences between CPP and QPP have been fairly insignificant thus far. One of the important points to make is that the CPP is on a more sound financial footing than the QPP, because Quebec's population is aging more quickly than that of the rest of Canada. The effect of an aging population is thus a lot more pronounced in the Quebec Pension Plan than in the Canada Pension Plan. That may require different kinds of changes.