You talked about women who were totally unaware of certain things. We recently learned on the committee that some women, once they were widowed, were not even entitled to their husbands' pensions because they had been bequeathed to someone else. I quite agree with you on that.
Some witnesses also told us that Canadians were in general not economists and that it was hard to plan for a long-term pension. I know there can be a number of answers to that question, but I would like to know who you think is responsible for these matters when people come to the end of their lives?