As for the replacement rate, various witnesses have talked to us about going from 25% to 50%. Earlier, you seemed to think that that was not necessary.
I would like to hear your thoughts on that. Improving the public plan is a real head-scratcher. If we change it to provide defined benefits, another increase would be needed, an increase from 25% to 50% in the replacement rate. The witnesses we heard from did not say that it would happen overnight, but that it would happen over a certain period of time.