We have other public pensions. We have the Canada Pension Plan, and we absolutely support increasing the quantum of the Canada Pension Plan. We think that is critically important.
People do make decisions that, obviously, they are responsible for. I certainly wouldn't go out and promote to our membership that since they are not 40, to withdraw all their money, which to me is taking a 50% hit.
Actually your pension investments are taking taken a 60% hit, because you get a little bit of interest but you don't see any of the employer's portion. In the long run, the plan benefits because it gets to keep what in theory is the employer's 60% contribution. That is certainly not something I would promote to people. It doesn't make any sense.
I would question, though, why we would bar people from buying back pensionable time when in fact the plan is unjustifiably enriched after people have left the plan, given the employer's contribution is 60% and the worker's contribution is 40%.